Insurance Companies, Credit Card Companies, Banks, Gas Stations, Grocery Stores, Auto Car Dealers, Cable Companies, Phone Companies, ect. So pretty much any company that has competition has some sort of cash back/bonus for being a loyal customer.....
What you think is "cash back" is actually a gimmick of charging higher in the beginning, getting a little interest, then later sending the customer a check that makes the gullible happy. When you buy something for $X with a rebate, do you tell yourself, "Oh, I got such a great deal, they're giving me $Y back"? Or do you realize that the true price is $X minus $Y?
Come on, don't be so naïve as to think there's such a thing as a free lunch. In the end, a company has to make a certain minimum to stay in business. Right now, the month-to-month payment for $12.99 for UO is
below inflation, and there are far fewer players than the heydays when we did get regular new content.
You want "cash back" from EA? Fine, then our subscriptions will be a few dollars higher, allowing EA to give us "free months." In the end, customers have to pay for it somehow. When I signed up for my cable company, there was a promotion of getting $250 back after maintaining service for half a year. Do you really think I and other customers aren't paying higher monthly bills to pay for that?
An offer of "$1000 cash back" on a car simply means the MSRP is inflated by $1000. Zero interest is courtesy of the Federal Reserve's cheap loans to the automaker's lending arm. One supermarket chain I frequent offers a discount at the adjacent gas station it owns, which customers already pay for with slightly higher prices.
Credit cards give "points" or "cash back" because they charge merchants a high percentage of fees. Having managed retail, I can tell you that
nobody will just absorb the cost, no more than a store owner will pay for the lights out of his own pocket. Most people are foolish enough to think, "If I use my card to buy enough, I'll get points for a free airline ticket." In the end, they certainly paid for it through slightly higher prices. In recent years we can see the difference because some merchants, like gas stations, are offering lower prices for cash payments.