I'm sure this is helpful to someone but does it really need $72 in rewards (after I see it was already downvoted, so it likely was previously even higher)?

In my view, no.

Account credits are a feature that is intended for the largest stakeholders and app developers to on board users. (I believe you need around 10000 SP* to claim even a single account credit.) Most if not all of these people can find the information about how to do it or already know how.

Whoever is upvoting this stuff, please exercise more care. Rewards are not "free". Every single reward paid out represents additional supply overhang onto the Steem market (even if not sold immediately). If it corresponds with significant added value, great, it can help absorb the extra supply. Often it does not.

This is not a money spigot.

Downvoted.

* EDIT: Apparently it can sometimes, or even usually, be done with somewhat less than 10K SP. Which of course does not change the main point I was making.