I really think that you should leave it up to the individuals to determine if the number of points of reasonable or not ... calling them "nuts" is disrespectfull especially if you do not know their situation ... maybe they are happy to use their points in that fashion? My 2-cents worth ...

Edited to add: With over 800K points ... if that is where Mrs PB wants to stay then so be it ... what are points for if not to use them for when you want them ?