BTW I would like to request a possible additional penalty thru this for a default trade, and a lil better visibility in background check for a trade in dispute. Under background check it doesn't even include this as a loan defaulted on (ok technically not a loan i get, but maybe needs its own section in background check then)

As far as the additional penalty, It goes as this: I feel most members would rather get points back as a repayment rather then nothing, and risking points in client or freerolls, or converting to a non tradeable form in redeem like Carbon, doesn't seem fair to be allowed to the offender (I would say any redeem but i cant speak for all whom are owed if they would always take points rather than a redeem option, but I feel the offender would likely hit n run if they got to do redeems).

Long story short, what about blocking game opt in/ coupon purchase, client, and redeems? that would make the points only good for repaying debts, so they would be converting points for the right reasons instead. That would also give them more incentive to speed along repayment to regain access