Ah, but the question is whether it's worth a Beyond point, especially given they stack in efficiency. There will always be a tempting opportunity to enhance the short-term with a Beyond Point, and, knowing this tendency, Rihaku made it so that Beyond Points get better the more that are used at a time. It's up to us to ignore what's in front of us (which is really hard since we know exactly what we're getting) in exchange for greater power in the long term.
It doesn't offer us a Beyond Point though. It offers us Beyond Point
progress, no more, no less. It's not utterly without value, but Beyond Points aren't our current bottleneck--we only strictly
need two in the foreseeable future to achieve True Alchemist, which is likely our best means to comprehensively acquire power by the time the Heroine goes live.
Instead, he offers us a chance to automatically achieve an optimal outcome with a complicated topic, which synergizes with actually taking this element of the plot by the throat--playing up our Overlord nature while secretly stacking the deck in our favor, and effectively paying off our Mastermind Point debt in the process, which means we'll be able to start generating them again--and once a year, we can turn 2 MM points into a BP anyway.
Taking out a Loan? We hurt our Clan's Face and affirm Spoiled--and while this isn't as terrible an outcome as if we actually took Grandpa Yong as a Mentor, it's still not something desirable as it'll make it harder to get support from them later on. Mooch off of Xiaoling? That just keeps us treading water and all but guarantees a Spoiled proc.
Scamming replenishes our reserves, gains us valuable information, has at least a decent chance of acquiring
normal Treasures, and a small chance of a Priceless Treasure--which is something comparable to BP in value. And as I said, tactically speaking, it synergizes impressively well with also approaching these guys directly, because it gives us the chance to stack the deck in our favor before they even know we're fucking around with them.