If they are wealthy then they likely do not care much about service fees. Meanwhile, smart thrifty people are busy churning credit card bonuses and earning tens of thousands of dollars of free travel subsidized by people like you.
You'd be amazed at the very employed folks that spend time each week learning about credit cards and taking advantage of perks, on top of other things that will allow them to live a lifestyle they want. As a bonus, they get a happy boost when they get a good deal.
This is just paying attention to how you spend your money and being informed about the choices you make. If you are going to get a credit card, you might as well both know what you are getting into and get the best thing for you that you can. Kinda like any other loan contract (after all, credit cards are a short-term loan).
That response is uncalled for. It takes a minimal time debt to secure your financial future and put the "game" in your favor- literally for the cost of making yourself abrest of the rules
