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In theory you could 'convert' from PTP to FTP by noting how many points you purchased and keeping that as a baseline you never go below. So for instance, I purchased $5 worth of PP for one of my teams (what is that, 6k or 7k PP?). If I never go below that balance then it's as if I never purchased those points.
That would require a lot of willpower and good memory though, so it's probably easier to just go with the blanket rule you have in place.
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