I have 200 microsoft point sitting in my xbox live account that I'll never be able to spend.
The exchange rate was $1=80 points, presumably because they wanted to make it harder to figure out how much games cost. But that's fine, I can do math, who cares about that.
The real "screw you" was that most downloadable games on xbox arcade cost $5 or $10 (i.e. 400 or 800 points) while, originally, you could only buy points in 1000-point increments. So one day I wanted to buy a game for 800 points, but I had to pay $12.50 for 1000 points because I didn't have a choice. That left me with 200 points sitting in my account.
Now, lots of people complained about this, and microsoft eventually capitulated, changing the purchase bundles to $5 increments instead of 1000-point increments. Now, whenever I buy a game, I can just buy 800 points for $10 (or 400 points for $5) and spend them immediately.
Of course, that means I still have those 200 points. Just sitting there, laughing at me. They'll never get spent as long as designers price games as multiples of 400 points. I consider it the price of doing business with assholes.