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Why? Because you'll either get people taking money through 3rd party means to give people stuff they don't have the points for OR taking the money and then not giving them the stuff (i.e. scamming them).
And if you don't think this would happen, an animated background is $20 worth of points (2000). If someone had plenty of points with no plans to use them and met someone with no points but a few bucks to spare... I think you get the point.
Stop trying to circumvent things and use the features as they're designed.
https://store.steampowered.com/points/howitworks#CommunityAwards
That aside, the system is set up to reward purchases, it's not going to change to reward you for not spending money.
Some things in the point shop aren't available in the marketplace, like the animated profile backgrounds.
So if you didn't have the 2000 points, nor $20 to buy something to get you those points, there would be people offering to gift you the item if you sent them some smaller amount of money through something like PayPal or Venmo or some other similar service.
The main issue is that not everyone will be honest and attempt to keep the money and not gift the shop item. It will be a breeding ground for scammers.
I've searched it as some dude with many points who wanted to give his friends some decorations, but all I can do is to give them rewards, even for nothing (profile rewards).
Potential scammers issue that has been discussed above could be easily avoided by checking how long you're friends with someone. Make it somewhat long process - half a year, or higher, and done. Now you can gift things to your real friends and scammers will not gain anything meaningful from it.
The other solution will be just an ability to transfer points in custom quantity at 50% rate with 14 days delay as it is for now without the need to simply gift awards, since in the end it achieves the same thing.
Point case: my friend could use a simple profile deco for 2000.
I can (and willing) to spend 6000 points to give them 2000 needed for that.
For now I can do that and nothing can stop me (or anyone who's willing to do that kind of thing) by giving them several profile awards just for the sake of it, and 14 days later they will receive 2000 points. That's cumbersome and feels like abusing the system rather than using it's as intended.
My proposition is to make that entire process simpler and allow to transfer points in current rates without giving out any awards at all. Perhaps even removing wait timer if transferring to friends who's in you friend list for a significant amount of time.
Or, if the schema described above is NOT intended - well, there should be timeout for giving out profile rewards.
The award begging is already bad enough, but direct point transfers would lead to more forum spam and the inevitable scams that would crop up.
Well, it's a thing already, I've described "how to" in my previous message. All I propose is to make this already implemented process less infuriating, that's all.