You said the magic word "loyalty-point system"! I didn't read the SMT whitepaper yet, but I fully agree that many business can be supported with a loyalty services. In fact, many business do already have those, and the potential of tokens is that these can be replaced for digital versions and at the same time it allows roll out of loyalty systems worldwide, to all those markets that do not have loyalty systems. One crucial thing for a loyalty system to work, is a non-volatile token! When the token is not volatile to the local currency used by the consumers, the consumer will not be scared away as they are with crypto currencies. Non volatility is key for mass adoption, therefore is key for any business that deals with the mass, the everyday consumer.