because you get nothing for using the card, while amex gets 3% per swipe from the retailer. I'd rather use my charge card, earn points, and put the money away.
Just a word of caution: AMEX and other credit card companies are in it to make money. If you simply make deposits and then withdraw the money without actually using the card for purchases, AMEX will likely cancel your prepaid card and not allow you to get another.
It's a good idea to stay in good graces with credit card companies as they offer such sweet sign-up bonuses from time to time. I'd hate to be excluded for past mistakes.
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