A really bad time to be updating any software. I feel bad for the people who are trying to buy prescription drugs or groceries. Not everyone has backup credit cards.
Bizarre that such a protection elsewhere is limited to just credit cards.
I understand why you want the rewards, and when I'm forced to use a credit card, I also want the reward. But we need to call out the bullshittedness of the system.
Everything in the world is 2-3% more expensive just so that credit cards can "give" you 1% back as a "reward". (Similar situation: People who are thrilled with a tax refund. The government takes money away from their paycheck, then later gives part of it back. If they don't think about it, they think they're getting free money.)
People get caught up in it as if credit card rewards are a good idea. It's not. It's a drag on the economy for the credit card companies to bake their costs into every transaction.
I wish there was an economic expression to describe the situation with credit cards and their rewards. Tragedy of the commons[1] and the unscrupulous diner's dilemma[2] both come close, but aren't exactly right.
[1] https://en.wikipedia.org/wiki/Tragedy_of_the_commons
[2] https://en.wikipedia.org/wiki/Unscrupulous_diner%27s_dilemma