Offer your thoughts or opinion on the input financial query or topic using your financial background.

Gigantic point amount on rewards card - what are potential consequences?
An ideal option for you would be to use as many or as few as you choose, but have all of them available to you. The service desk guy told you you can do exactly that. Problem, though: you have no proof that a representative of the company told you that. Get proof. Recording, written statement, whatever. If writing a letter, make it clear you expect a response. The time you spend "being a good guy" is not free, you should get something for it. No idea how to go about that - mentioning the service desk guy in a letter might give him trouble. Maybe suggest that you could allow your image to be used in a short advertising campaign, as thanks. But whatever you do get, enjoy it. Consequences? Any number of things can happen, from lifetime free meals to court cases, negative points and being banned, regardless of who is right, legally or morally. Someone in Management there might still choose to burden you with responsibility even if their own CEO declared you a saint and lifetime customer of honor. But you might never get to that bridge. For now, get proof, and use what points you know are yours anyway.