Regarding the FP hoarding issue: It's a simple matter of providing "drains" for the economy's currency. The problem with FP, is that they don't have enough of them.
For a game that decided to embrace cosmetic driver items (a decision I was, and continue to be, 100% okay with), they've been pretty uncommitted to keeping a steady stream of them coming to the game. And most of the ones they HAVE added, they've simply given away as rewards for racing. It's a little baffling when you consider that the t-shirts, for example, are just a standard model with a variety of skins. Why aren't we getting a weekly drip of stuff like that? More drains for peoples' points.
Another idea I've kicked around in my head, is the option to "sell" something on the Forzathon store, that lets you make any car a "Forza Edition" car, and applies a FE perk to the car (randomized or of your choosing, whatever). More drains for peoples' points.
And lastly, the game is now six months old, and they undoubtedly have data on which cars are the rarest. It's time to start cycling those through the store specifically. More drains for peoples' points.
The FP store in general, feels like a concept that needs more refinement if they are going to keep it going forward. I'm not mad or aggravated by it, like some people here seem to be, and I've never hoarded points. The most I've ever carried forward on my FP "balance", is about 500 points, because why on Earth would I grind out Forzathon events if I didn't even need to? They can be enjoyable enough in a mindless way, but hardly so much that I'd ever accumulate a pile of points.
