Quote Originally Posted by LCDaBoss View Post
How is anything you said different from what we already have? If someone get any points in anyway you can just go to debt collector and take the points from their account that they owe you. On your own without their permission needed. The only thing you said that I like is that they will have to wait however many days they were in default to take out another loan.
The difference is that if someone earns points, instead of keeping them in their account, they could just turn around and buy tourney coupons, raffle tickets, or stick it in the client so that they are actively keeping them in a place where debt collector can't seize the points.