Wow! You sir have obviously played this game of life very, very well, and are the most financially successful person I've ever been in contact with.
My personal complaints about my card company are minor, and, as a concept, credit obviously bugs me. It's heartening to hear that despite the misery some people get into with credit, others thrive, and it obviously increases their true happiness.
I've used the popular phrase before, the best things in life are free, referring to family, love, non-financial support, etc. But a free trip to Paris! Wow! I know a journalist there, and he was a great friend who helped me through the death of a loved one.
Kudos to you!