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The points can then be cashed in for Lifetime Rewards (LTRs). The LTR interface opens up when your sim has enough points for the lowest level redemption. Some of the LTRs are admittedly silly, but some of them are very useful and can help a sim as they progress through their lives.
So it is a micro-transaction system in a way, but not one that involves real money.
But you can use MasterController (MC Cheats module required) to grant a sim a second LTW after completion of the first one.
There are two ways you could get help. The first would be to search for Steam discussions about this issue. Make sure you're in the right forum for what you want to know, as Steam has a LOT of different forums. There's a search bar next to the list of discussion threads, and typing in "Crashing" should help you. If that provides no help, then the next best way you could get help would be to ask this question with your own thread. Click on "Start New Discussion", ask your question, then click on Post Comment. Those two approaches are considered the most polite things to do in these circumstances, no matter what Steam forum you're in.
No problem, as you now know what you need to do.
Mid-Life Crisis (20,000) - Select and change your sim traits (this one needed to be young adult onward).
Change of Taste (5,000) - Select and change your sim favorites (i think this one needed World Adventures pack to buys).
I'll try the Mid-Life Crisis one. Thanks for the help, everyone!