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Basically, products are all sold in numbers divisible by 200 (200, 400, 1200 point prices are standard) while you can only buy points in chunks divisible by 500 (500, 1000, 2000 or 5000 points are your only options). This almost always leaves you with an awkward number of points left over that you're forced to pay for. You then need to add more points to that awkward remainder to buy more, which will probably give you another awkward remainder, and so on and so forth. This is absolutely the only reason Microsoft has for not allowing you to just buy chunks of 400 or 800 points at a time.
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