Just want to point out that there are lots of people here on DDF and not everyone is necessarily in exactly the same situation as you. The fact that it is a hobby for you doesn't necessarily mean that therefore it is for the other tens of thousands of people on here as well.
For some people MS is not a means to fly first class to Hawaii, but a means of being able to make it through Kollel with rent paid and bread on the table, or -- for others -- to buy one new piece of clothing for each of their children for Yom Tov....
Just my .02, while all that you said might be true, the nature of the MS game is constantly changing, and you can ever rely on one method.
To be honest, many people did not expect redcard to last even this long with cc loading, so nobody should be relying on it totally without a backup plan (which you should anyway have when doing MS)