system
A chat on subreddit /r/wallstreetbets
human
The latter category makes the issuer money in swipe fees. 

The issue is that the Apple Card is a crappy card for those with high spend. Why use it when you can get a way better cash back card or a card with better rewards and perks?
gpt
Exactly this. My family and I are staying at an all inclusive in Cancun, staying a full week, and paid nothing directly towards the hotel. Just used the right cards to buy stuff that we need on a daily/weekly basis and earned enough points to cover the cost!