Do the Crowdflower tasks on the offer wall. You will get points quickly. Listen to the radio and you will build up points slowly but they are points. If you aren't willing to do the work then pay money for the points. If you don't want to pay and you don't want to do the work then don't play.

If you are trying to get the passwords without putting in points or money then you are a thief. Everyone else is supplying points that make up the funds for the prize pool. I am normally a very nice guy but I can't stand scumbag thieves. With a little bit of research and work it doesn't take much to get points. Hopefully you will contribute to the community and do things legit. If not then good riddance.