It mentions "Overpayment interest for the 2020–2023 disaster period" which I figured could be applied broadly, but I guess that was more my interpretation rather than the intention.
It seems to also argue that we all have claims for lost interest on what we paid to the IRS during the period in question, but that's a stretch. I am getting Wesley Snipes tax advisor vibes here and will move along.
This isn't really a bad thing. Any company that monetizes credit cards can only do so because of their real, core product. They aren't really just banks like people claim. If they didn't fly people places reliably the whole thing collapses.
It's really just a surprising morph of their economic model in the post regulation era.