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points are FREE, you pay nothing for them and thus they are worth NOTHING.
the game developers want to be paid real money, steam points are not real money. steam used to offer coupons for points during sales events. when was the last event that had a coupon offered for points since the current system started? your idea is the same as giving someone a coupon, its just using a different word for coupon.
I don't know where Playstation gets the money to afford this system, so I can't say.
I can also see that my idea is bad, that's why I'm proposing it in order to get several opinions.