I’m going to have to re-read Project Hail Mary cause I’ve seen it recommended so many times, but I personally didn’t love it. I’m big Andy Wier fan - and absolutely loved The Martian.
With PHM, it felt like there were too many situations/problems that were created and then easily solved by the narrator. Each problem was a little too outlandish to then have a convenient solution right away.
Often times the price is the same whether you’re using Credit Card or paying cash. That means the X% fees the business pays to credit card companies is built into the price of your purchase. I’d you’re not paying with a credit (and hence not getting cashback) you’re actually losing money / paying more.