Don’t believe this is true. In scenarios where there are three or more lanes, the middle lane is used for cruising. The right-most lane is for entering/exiting traffic.

https://www.drivesafeonline.org/traffic-school/highway-safety-and-lane-discipline/

Gotta be “wokin the wok”

Pretty sure they make money by collecting credit card fees. You are essentially giving up points/rewards in exchange for an unlimited supply credit cards which, as you mentioned, has a valid use in certain situations.