No-one seems to be long-term greedy anymore.
The CCP seems to factor this into at least some of their decisions. Their infrastructure projects (like any infrastructure projects) take years, sometimes decades, to pay off, but boy howdy do they pay off.
Buying it on credit doesn’t mean that that’s the only way you could buy it. I buy everything on credit, and I’ve paid about $50 total in interest in 10 years of doing so, a number far outweighed by the hundreds of dollars of rewards I’ve redeemed.
Now, obviously the bank wouldn’t let me do this if not for the fact that people as a whole pay more in interest than they redeem in rewards, but that doesn’t mean that any given individual does.