As for me it is just the fact that there is cash, jampoints, and gear credits involved that makes it confusing. I understand gear credits, spend your money now and buy more with it later. If jampoints could be applied to everything they would not be as confusing and I think that is probably a good answer. Just make everything apply to everything and it wont be so confusing. Jampoints=appreciation, discount for being a good customer. Gear Credits=money you buy so it will be worth more when you spend it. Cash=the balance. Allow everything to apply to everything and the problem will be solved. As it is, there is a feeling that IK is trying to confuse the customer. Now... I don't believe IK means to do that but the confusion makes it seem that way sometimes. I don't mean to slander or accuse, just point out how some may feel about it.
As far as the i"crap", I like the istuff. I believe that in the next 10 to 15 years there will be a mass move first to the laptop but then quickly to the tablet and phablet. The younger people will fully embrace making music on the iPad and iPhone before the older crowd. People who have been producing music for decades will stay with the desktop/laptop DAW but it WILL change! The tablets ten years from now will likely be something we cannot now imagine... or maybe it will be something in between but I am convinced that iAPPs are the future, like it or not.
YMMV.
IK certainly should smooth things out... IMO.
J