I agree, but to be fair, Future B wasn't saying "Keep it exactly as it is, or else" He/she understands that there is a need for caps, but wanted categories to remain the same.
I suspect that US Bank has (finally) done the math, and determined that that doesn't work either, as categories like bill pay and home improvement could quickly meet any cap. So the choice would be to keep all categories and "unfairly" have a lower cap on them all, have a different cap on the "expensive" ones, which would be too complex for consumers. Or do as they have done, get rid of the expensive ones, and have sort of generous caps on the rest, in the expectation that the caps will actually not be met in most cases.
Power of social media is overrated because the public only hears about the successes. I work for a company that does some widely unpopular things, but our exec leadership believe that the decisions they make are necessary, and tend not to back down in the face of social media storms
It helps that our competitors have roughly the same unpopular policies! Which is probably the case here. If you don't use US Cash Plus, who are you going to use? Freedom/Discover etc aren't obviously always better, they have lower caps, and the choice of categories is made for you.
