Dean:
This may be because (to my understanding) they do 'MANUAL' banking for transferred points, which if MS is busy will take 1 day, as only supervisors or back-room people can so this transfer, MS-Phone-Advisors cannot. Thus to insure banking limits and deadlines, an advisorwould have to do a lot of additional work, and want to 'catch' someone. This is not the usual CM mentality.
I had not thought of your point before, so this is purely a guess, not meant to be presented or taken as factual!
-Tony