I get what you are saying, but to me this is different. First of all this "friend" asks often others to cover for their food. When you are on a tight budget and have to keep track of every little sum of money they owe you, it adds a lot of stress and unpredictability. If cashback is so nice, then he can get his own card. I bet there is a reason that he does not have one. Maybe he used it like it was unlimited money, and his parents were paying for it so they took it away.