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As for getting an item based on luck, it's a necessary function for those people who can't come to 100 Tara raids due to their real life schedule. The inclusion of chance means that these people have somewhat of a shot at winning something (albeit small given the numbers).
Well though for them, they will eventually have enough points if they want to roll for an item. They just have to save them for a longer period, if they can't make tara raids everyday. Your philosophy in this matter is flawed, if I had only 2 points I would not expect to be able to roll for same items then those with 50+.