It is also the core topic. A number of workarounds have been discussed to be helpful but they don’t change the landscape retirees and those on various pensions, eg everyone without a regular wage, experiences.
Some days I ponder whether the mega millionaire class who work for $1 p.a. and have incomes in the $10~100s millions from investments and bonuses have any trouble getting a card and need to go through similar hoops to the rest. - No need to answer 
.
