You do realize most of the RIV owners have mortgages and there's no way they're going to sell their contracts at $75 per point?
You'd have to be pretty desperate or be forced to in case of a divorce disagreement, death, etc. to even go to $100 for a normal size contract.
What was the lowest RIV even was available direct? $165 or something with incentives? It debuted around $195 a point in 2019 before incentives, but I seem to recall there was an out-of-the-ordinary incentive during/right after the pandemic that brought it down quite a bit.
A product is worth what it's worth, it doesn't really matter what you own it for.