Sure, but some people just don’t think that way. They want a “free gift card.” A lowered monthly bill that frees up the money for you to buy the gift card just doesn’t “feel” the same.
It’s like the guy who pasted here a while back asking which RCSS sells TVs, because he wanted to redeem 500k PCO points for one. It was suggested that he redeem for groceries and use the money freed up from his grocery budget to buy the TV from anywhere he wants. He wasn’t having it. “But I don’t want or need free groceries. I want a free TV”. It was explained to him that the math works out the same, and he still wasn’t having it. Meridian’s system exists for people like this.