Man, this exact thing is why my sock drawer has more credit cards in it than socks at this point, and I'm only half joking. Same thing got me a couple years back, one card hit zero for like five months and they shut it without so much as a text. My score took a hit just like yours did and the worst part is nobody warns you, they just quietly close it and move on. A small subscription on each card really does work from what I've seen, just set the card to auto pay so you never eat a late fee over a $6 streaming charge. Some banks will even waive the yearly fee or keep the account open if you call and ask nice, but plenty won't lift a finger. Feels like the whole system is built to punish you for doing the responsible thing and not carrying a balance, which is a joke.

That scratched disc thing hits close to home. My copy of season 2 had a nick right at the start of one episode and my player would freeze every single time at the same spot, so I ended up buying a used copy off eBay for like four bucks just to watch those two minutes. The weird part is I own the whole series on a streaming app too, but clicking play there felt like giving up. There's something about the physical set that makes it feel like the right way to watch it, scratches and all. You ever notice how the used copies always come with someone's random bookmark or a sticky note still stuck in the case?