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I'm guessing this is why lots of merchants don't accept American Express? Probably have the highest rates hitting the merchants
You get what you pay for, though. I've had nothing but good experiences as an Amex card holder. You need to live a lifestyle that gives you opportunities to use the system, but you can offset the cost of even the Platinum charge card if you sign up for, and then use, all the perks.
For how I use it, I'd say it pays for itself.
edit to add: their customer service is always stellar, and their disputes department are really effective.
Oh yeah, no discredit to the services to the consumer. On the merchant side though, they don't want to pay for the higher fees to accept the cards