I was thinking maybe we allow interest to accrue on points in the bank? Like at the end of every month/quarter, you can claim a portion of points extra?

Make it fair for those with fewer points. Allow higher rates for lower points, and lower rates for higher points. I know some of us *Cough* me *Cough* are scraping for points, with the number of losses some of us face, and the time it takes to finish a match.