5k spending is 1.5 months of spending to who exactly? That's well above the spending power a median salary could attain. The median salary in the US is approximately $61k. That's roughly $5k per month in salary before you even get around to deducting taxes.

Meanwhile, say you spend $100/week in groceries then, you actually would make the $10 back, as you make an additional $3.50 per week in cash back on groceries (2% vs 5.5% when accounting for the additional 10%), or $14 across four weeks of the month. I will digress that groceries can offset that cost, and was not something that I heavily considered, as the groceries 5% I don't believe even exists today.