Nasjon

Member gets a set amount of points for a new topic they post. Member gets a set amount of points for new replies they post. If member replies to a post, the member who started that topic will get a set amount of points. Each forum can have different values for each of settings as you can see.

Only if they can buy a subscription with account credit. Members request a points redeem for Commerce account credit and then buy stuff in the Commerce app with account credit.