Alts
that's the reason why many things are the way they are. Technically against the rules so they should be banned and not be a problem, but it's complicated and time consuming to catch them all (and if they actually start to try catching them, people will actually spend effort hiding them, which makes it more complicated and time consuming). So features in game must be made as alt-proof as possible.

In any case, chakra runes are for the group, sure you get coins out of it but it's insignificant. So why the heck are you selling it for coupons? Exchange is the way it should go. Tbh, even if buying for coupon is possible, very few REAL player would buy it, because it's not worth it for personal gain and it doesn't actually make a difference from the group prospective (unless someone REALLY want the rank 1 on chakra contribution) So in honesty, if exchange with just coupons were put in place, the only people who will use it are those who are effectively sending coupons from their alts to their main, that is not a good thing.

Ah, yes, an emergency loan, that is certainly a possible, valid and legit use case. That said, it's probably fairly rare for someone to be backed into a corner for that tiny bit of coupon. And I'd rather see it as its own feature rather than piggy backing on summoning rune thou.

In any case, 30 coupon a day, while not huge, is not insignificant. The game have been around for roughly 8 months, and if a transfer of 30 coupon is done daily, that adds up to 7200.
Yes, the plunder vs convoy difference is bigger, up to 4 times bigger, which I have always pointed out to be a problem in the system.

I made the CHOICE to not plunder when I can do so easily, because it feels wrong to me for a number of reasons. And for this choice, I am now down at least 5k, possibly 10k coupons. It's not something I'm happy about. If I ever quite the game, this is more likely the cause than anything else, let it be ptw beating me up, bad arena/masuri etc, because those I can understand and accept.

In any case, that's getting off topic. The root of the problem is, the illegitimate use case and impact of alt transferring coupon far outweighs the tiny legitimate use case of an emergency loan. And as such, it is extremely unlikely for them to change the chakra selling system.