<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>supernova87a</author><text>Except, Delta (and every airline) can arbitrarily control the redemption rate (speed) of their currency being used, and the conversion rate.  And have been devaluing that currency steadily over the years.   Don&amp;#x27;t hoard FF miles, it&amp;#x27;s a losing game.</text><parent_chain></parent_chain></comment><story><title>Things Delta told the SEC about its SkyMiles program</title><url>https://viewfromthewing.com/5-things-delta-told-the-sec-about-its-skymiles-program/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>hourislate</author><text>Wendover Productions has a video on how airlines are banks now. Their Loyalty Programs are worth several times more than the Airlines and flying is basically a secondary business for them.&lt;p&gt;How Airlines Quietly Became Banks&lt;p&gt;&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.youtube.com&amp;#x2F;watch?v=ggUduBmvQ_4&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.youtube.com&amp;#x2F;watch?v=ggUduBmvQ_4&lt;/a&gt;</text><parent_chain></parent_chain></comment><story><title>Things Delta told the SEC about its SkyMiles program</title><url>https://viewfromthewing.com/5-things-delta-told-the-sec-about-its-skymiles-program/</url></story>