Separate total points

I'm recommending userpoints extend past just counting userpoints with actions, but they also become something that can be used. This would require a second field, one being total earned userpoints, and one total asset userpoints (the ones that can be used for things).

I would like others idea for uses of the user points, however mine are below.

Social Currency, currently we already have a method to count who has the most points, however it'd be nice to add something like a corporation where a group of people form a corporation type thing and strategize whatever, or vote certain things up or down. Of course, there total points combined would be listed on the corporation page.

Ads, a block would be used to display text ads that users could purchase a certain number of ad impressions per userpoint. A simple form with title, description, and url with defined character limits would work fine for this. This especially would promote user participation for vote up/down sites since many of these sites are interested in user participation.

Gifting, allow users to gift other users there userpoints.

Raffles, allow users to buy tickets for raffles with their userpoints for items that are the choice of the admin. A simple page could administrate this, and an admin could link to the page from a node where these raffle tickets are bought. The raffle pages could be a new nodetype which would have certain forms accessible or inaccessible depending if the raffle is still open.

userpoints percentage increase, this would be a counter just showing the users increase from the previous month, no use other than maybe top increase for users.