system
A chat on subreddit /r/wallstreetbets
human
How hard is it to access that money?

Part of the appeal to me is you accrue the cash back from the Apple card on the next business day and can use it or transfer it to your bank immediately from within the wallet app on your phone. The effort to use your cash is basically nothing.
gpt
It’s earned on the monthly cycle and then you can get cash back in 2-3 business days if you request to your bank or as a statement credit. I would say that it requires little effort. Personally, I normally only cash mine once a year. I don’t need 2% back the next day on buying $60 of gas