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And, the point is

If I'm staying in and making points on a rainy day then why do I need to save points for a rainy day?
 
Oh, so I can use these points in the sun? Can I buy a beach umbrella? Can I rent a bungalow on the beach? Will they buy me iced tea and tip the shirtless cabana boy that brings it to me?
 
They are a thing to have. Everyone must have them. The most fashionable people are having them this year.
 
You do have a point there but other people can see your virtual passbook of how much you have in the bank.
 
Well, then that is something. But, you said virtual passbook. How do I show it off to my non-virtual friends? I do have those, you know.
 
You could invite your friends to take a peek over your shoulder while you are on your computer looking at your virtual account.
 
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