This would be a pretty neat service is it were all automated... like you can borrow points from the forums for a certain rate for a certain amount of days (say 5% for 10 days, 10% for 30, etc.), then if you don't pay back in time the points are automatically taken from you to the forums, and if you don't have enough then you are "in debt".
I don't think I'll be borrowing any points for now... I never spend the ones I have as it is.