Wow, the individual vs. couple thing makes it even more confusing. Did they think this through at all before they released it?

Individual rewards seem even more strongly in favor of individual on-board credits or discounts.
Either save money up front or have money to spend on what you wish onboard (dry cleaning, drinks, spa, photos, shore excursions etc.) Then it would be a very personal rewards system. Obviously from the posts above, we all don't want the same thing. And not all of us travel as couples.

Lauri