With all due respect, you're dead wrong. That's what the travel companies WANT you to think. However, it couldn't be further from the truth.
The idea of a loyalty program is a marketing tool to drive consumer behavior and maximize revenue. Loyalty is a one way street! There is not one person at NCL who is loyal to you.
Loyalty programs aren't about you AND them. It's about you AGAINST them. As a consumer, it is our job to maximize tjr benefits we receive while minimizing our cost. Their job is to make sure you spend more and more often.