That's kinda scammy. It's not like they have to manage shipments and handle goods or anything. I wonder if they're banking on a percentage of users leaving credits unused like credit card companies do with loyalty points.
I don't think they care one way or the other. They haven't ever been profitable, and so they're likely going to build up data and pull the rug on all of their users by suddenly declaring themselves a data broker. They won't try this against companies that can afford to sue, but most of their users will probably start to get even more creepily targeted ads directed at them.
