• It’s only really a problem when you can’t buy the exact amount of points you need to make a purchase (which granted is most of the time). There’s legitimate reasons for using a “points” middle-man, though - for example, in a game where you can earn premium currency while playing, but also buy it; if you were making purchases directly, rather than buying the points you need, you wouldn’t be able to buy something using both earned and purchased currency; it’d be all or nothing.

      This is definitely a very small minority, though, and 99 times out of 100, I agree with you, it’s a scam.