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Are you speaking about any points program in particlar or ane you making a generalization (RCI, Wyndham, World Mark, Disney, Marriot, etc. etc. etc.). I belong to two points systems and neither one works like you say. Do you have any proof to back up your accusations or are you just making stuff up. Do you know that when you buy points in many systems you are deeded a week at a specific resort for deed purposes. Can you provide us with examples from your personal experience that have soured you so much on the points systems. And no need to get so abrasive either.