The current rule is that when you leave a team, you leave your points with that team unless you owe points...then that team's bank is zeroed out and the debt stays with you in case you ever want to come back.
With some GMs coming back from retirement, there have been questions on how many points they get to start out with. Out of curiosity, boredom, and the very real possibility that an inactive GM might leave an inaccurately accounted 500 point bank to a newbie, I started researching whether it would make sense to change how the point bank laws work, and I think we can.
First of all, in trying to gauge how many points each team had coming into this season, I noticed that plenty of banks are either 1) Not up to date, 2) Probably up to date, but the accounting is so fuzzy that I can't tell what's happening. Still, there are teams like this that are making trades involving points. Thus, this trade rule has been implemented: viewtopic.php?f=24&p=78741#p78741. That's not up for suggestion boxing. Trades have been the only place where someone can spend points without leaving an accounting trail that they've paid those points.
In any case, debts, of course, will still follow GMs around. You can't run up a crazy tax bill, jet, and come back scot free.
However, to keep a positive point bank after you retire in case you ever want to come back is trickier. If you leave a team with a positive point bank, but in a position where contracts you have given them put that team in the repeater tax for years, I don't like how that disadvantages a new GM either...especially if they have to start at 0.
So, why was I looking at all team's point banks?
I wanted to get an idea of what the average team has in their point bank at the beginning of the season. And while some teams made me have to guess, I came up with a median of 70 points (average was a little higher thanks to outliers).
If we change how point banks are transferred so that GMs keep their totals when they retire, I think we could simply implement these two points:
1) Repeater status also follows GMs and is reset for the new GM.
2) Welcome bonus points for new GMs (maybe not 70, but 25-50 seems reasonable to me...35 maybe as a compromise?)