The intent is to get out and ride to interesting places. I do that anyway. I think most of us do.
This gives me a chance to see things I did not know about, and gives me a challenge to meet.
If somebody wants to spend $500 (or whatever the amount was) to be able to get "first place" and the prize (which is what, and worth how much?), that is fine.
I was just looking at the 2020 results, appears max points is 197 (stops and purchases).
There were 71 participants with all 50 stops, 68 of those had the 197 point total.
So 3 people did not pay the max amount to get the full points amount (one got 195 points, 2 got 188 points).