And those points/immunity can be transferred? Someone might want to do a lot of things to get points, trade them for immunity days and then transfer them to someone they wish to protect. Would that be possible?

Also, would you allow using npcs as assorted victims/perpetrators? And if you do, in which cases they could be used? For example, would a character be able to kill an npc for points? Steal something from them? Could I assume an npc stole something from my character or even abused them?