A slight balancing suggestion for the point system

"Increase the point limit to 500, BUT increase the point vs money ratio. Right now, it looks like if you were exchanging for euro then waited for the ratio to increase even more."

You want to balance the system which has too many points by raising the limit on how many points someone can? No. Also I'm not sure you know what increasing a ratio means I think you mean mean change the proportions of points to money. And from what I can make out of the statement you want more points per dollar, in which case, no. If you mean less points per dollar then yes, but if you are trying to balance a broken system you can't go both ways (eg. increasing the cap and lowering points per dollar) you can only head a single way until a balance is reached. Also I can't make head or tail of what you are saying about exchanging euros.

"Remove the whole 5% giving points thing, it feels like that I contribute but earn nothing from it. Exchange it to give points who contributes successfully based upon the prize value and entries of a giveaway."

Are you asking to only give points to people who make giveaways? That breaks THE ENTIRE POINT OF THE SITE, so no.

"Give points for a free daily login raffle, or just logging in daily, like 1 point (gives slight point bonus if you enter constantly, up to 3)."

I don't even.

"Posting in forums gives you points, but based upon length of letters and words (this includes a system that counts the words/letters that the user made, reaching said limit earns you points, editing reduces or increases the counted words/letters based on post, deleting removes the counted words/letter and gives you a penalty)"

While community contribution is nice basing a point system off it won't work well, especially what you've suggested, and deleting stuff gives an additional penalty on top of the points removed to compensate? No, people delete stuff for a variety of reasons, maybe they accidentally duplicated a post or a word within that post or they rephrase something differently, to penalise someone for that is stupid.