Maybe I just like Garland's films but not his signature. If you have other recommendations I'd be interested.

It would be highly unusual for the CFO not to have the burden of confidence but even for a division president it's not clear they'd have corporate officer responsibilities.

During compliance training in my old life they covered the classic "overheard in a coffee shop" example as a way to highlight that a barista does not owe confidentiality to a random public company. However, I don't think it's ethical behavior regardless of whether it'd result in a conviction.

nothing inherently wrong with that. You won't have maximum access to credit and multiple bank relationships but those consequences may not be relevant to you.

> you make sure you don't overspend

That's great, but not related to the number of credit cards someone has.

> never paid attention to how many points you accumulate.

Some people obsess with points but there's a difference between not accumulating optimally and not accumulating at all. It's incredibly simple to get a 1-2% discount on all money you spend by using credit cards. But, again, that opportunity cost may not be relevant to you.

I'd also mention that many freemium businesses actually introduce paid models to control costs rather than improve profitability - particularly true for streaming media companies.

I don't disagree that there are many cons, but it's disingenuous not to include the services they power as one of the pluses.

Full disclosure: My career involves ads.