I only read the OP but none of the subsequent comments, so my response may be a complete non sequitur. Just wanted to share my experience.
I've been following DD since it was still ctownbochur. As a very frugal person who has been trying to beat the system since I was in diapers, the miles game was terrifically appealing to me, and I jumped in to it headfirst. And I was good at it! I was never really in to travelling though, so in my first year of accruing and flipping miles and points I estimate that I made about $10K-$15K. Fifteen thousand tax free dollars! I loved every second of it and figured I'd be doing this forever.
One day I was sitting in my office at my real job, with a spreadsheet in front of me that needed to be populated. I had until the close of business to submit the data and potentially get my foot in the door of one of the largest retailers in the world. But there were credit cards to sign up for! And VRs to run out and buy! (I had a store in Brooklyn that always had VRs.) And a price mistake on staples for a desk lamp for only $2.75! And the next thing I knew it was 4PM and I still hadn't started on my data project. OK I thought, I can probably knock it out in an hour. But while this export is running, let me just check DDF again, just to be safe... (I sound like a junkie.)
My data was awful and I didn't get in to that retailer.
I then had an epiphany, that aha moment that would ultimately change my life. I suddenly realized that I spent more time trying to earn side money than I did on my primary business! Now, the cc game was a sure thing and my own biz was at the time a dark unknown, but the same amount of time and effort that I put in to this game that netted me $15K could be devoted to my own business with much more rewarding possibilities. I told myself I wouldn't do anything at all related to the cc game for the next 2 months.
I can't say I was perfect for those 2 months, but I do know that I now haven't signed up for a credit card in probably 2 years. And in those 2 years my business has more than doubled and I've earned a heckuva lot more than the ~$30K I'd probably have pulled in by devoting that time to the cc game. While it may not have the same thrill as seeing those 100K points hit your account, the satisfaction I feel when I hit a new milestone (yesterday was the biggest day of sales I've ever had) or get a new big account is immeasurable.
Yes, I know that its pretty hypocritical that I just spent 10 minutes writing this. And I know that there are people who can do more than $15K/year playing this, and that not everyone has the same addictive personalty as me and can be productive both at this and at real life. But always remember that time is not fungible. While the hour you spend here may seem to be an hour well spent, it very often isn't. To each their own.
(Postscript - After a lot of hard work, I got in to that big box retailer and now have my products in over 500 of their stores, and I plan to roll out to the rest of their stores within the next 6 months.)