Thanks @Shamino for splitting the former topic, because @Simon made a comment there I wanted to explore a bit (hopefully not setting us up for another split…).
I’m under no illusion that the money simply appears by magic. 
But my usual practice is to put as many of my daily expenses on my Chase Freedom card as I can, and then pay it off every month. And every month, I get a nice credit on my account based on the previous month’s purchases. There are no fees (to me) for using the card. So are you saying I’m paying for that cash back in the form of higher prices? Which would imply that if you don’t use a cash back card, and you shop at the same places I do, I should thank you for part of that money. 