Extra Pack points with upcoming set B releases

with the frequency of releases, it makes it hard to collect enough pack points to use to create a card I want to play with.
I’m also worried that then a pack rotates out, we might lose the pack points.
One suggestion?
maybe pack points for sets 1 year old+ could be used or converted to pack points for any pack in that set year.
I.e. one set B1 releases, the Genetic Apex pack points could be used in combination to create any card from a pack in set A.
For reference, I spend about 20-50$ a month in addition to the premium pass, and I often only get about 400 pack points per mini set and about 900 pack points per 2-pack set release.
This isn’t even enough to create an EX card, and by the time I’ve accumulated enough, the month ends and I can trade for the EX.
If you implement a way for unused pack points to roll into something new (perhaps pack points apply to the initial set plus both mini sets - I.e. A2, A2A and A2B?)
This allows some moderate spenders to be able to save up for a 2 star or immersive they really wanted but didn’t luck into.
It also allows F2P and small spenders such as premium pass members to potentially get enough to spend on an EX card from the mini sets that they really want to play with but weren’t able to get from their saved up hourglasses.
tl;dr
Trading got so much better! But now, it makes pack points pretty useless unless you spend 200+$ on each set release, or spend 0$ and craft basic cards day 1 that you end up eventually pulling anyway.
And allowing pack points to be used more universally, either with a time delay (I.e. when the next letter comes out) or within the same set+miniset code (I.e. A3, a, & b) would allow users to engage in the game more meaningfully and improve enjoyment as they have some access to cards they want.
A Universal pack points system (no restrictions on where they are used) would be the most helpful, but even just removing some of the restrictions will help a lot.