Qantas Cash for general banking

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I just wonder why QCC reduced the points earn though. VGW is giving 1:3 ratio of points earning for Au domestic spendings, but QCC just had to give us 1:4.
There is no risk to QCC (ie, Heritage as operator of the system), not getting their money from us when we make purchases/pay for services.
We are safer to them than the real "credit" credit card holders who go into hock, ie, using the bank's money.
Under QCC we have to put our own money to them first, otherwise the QCC will have "rejected/edited: declined" on the EFTPOS terminal, or on the purchase slip when we present the card to pay for purchases/services.
Considering that under the real "credit" credit card, holders are a risk to their banks if they don't pay the banks back for purchases/services.
 
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