The point is that the loyalty points won't be needed for most games, but the 100 points aren't going to be worth anything for the BIG ones as those with over 1000 will probably take the full allocation.
So to summarise, points not needed most of the time, only STHs etc will have sufficient for the biggies, so why waste time with 10 points here and there ?
Having some points will put you ahead of those with none. There are several possible scenarios where you would want to be ahead of the great unwashed and where people would moan if they were on a par with those who've "not been to a game since the 1991 playoff final".