I would like to suggest some changes to a steam items/gems/points/cards etc.
I assembled few badges and realized how lame system is. But lets take it down step by step.

Points - very nice that we get points for purchase, however there is nothing to spend it ON. I mean, how many backgrounds u need? Frames? Avatars and all other crap that look like from 90s. BORING as hell. So personally I feel like disappointed that I get points but no use of it.
We could use them on purchasing buster packs or minor DLC's. Anything that fun?
And stuff u can get for points cant even be converted into gems...

Gems - none tradeable, u can make a sack for trade or get pack. Funny part there is no much events I've seen to get gems, and if there is u need to spend too much. Meanwhile all u can do with it is just get pack of 3 card. Items that can be traded for gems is also not easy to find. Few drops as reward for badge. I never use them anyway.

Cards - u get half, u gotta find other half on market. Consider to chatGPT once someone assemble badge 1 booster pack plays in lottery. I am 24 lvl and I don't think I ever got any pack, mb once or twice. Much easier to buy it, sure... But where is fun? Why not make some interesting quest to gain it. Not like I feel sorry to pay 0.10 cent for card, it's just not fun!

IN GENERAL I believe the system in the steam we have today old, boring, inefficient and depressing.
We are gamers, steam devs are gamers. Let's create something cool. So everytime u buy a game would be excited to get points or other opportunities to get something special, not like... eh.. whatever... So it would be like our game withing a game. Does it make any sence?