I agree with you, only the savvy consumers benefit from points. I also collect Aeroplan & PC points. That said, even by being savvy, I feel we end-up paying too much. Products are more expensive (pennies for each product), but moreover it tends to make families over consume products and "choose" one store over another to get points. Put it all together, and it may add-up to more than $2000 in a year. But I hope I am wrong on this...