Question about FTP points

[buckyb88]

Ok, I understand that FTP usage gets taken out of Rake Back.
But i hear that it's $.06 per point. this would mean that if i buy the 50" plasma TV, i'd be spending 400,000 points. at .06 per point, that's 24,000 bucks out of rake back, meaning over 6k real dollars...?? that's more than retail... somebody please help me understand