I see no huge dilemma with getting double yellow summons from summoning scrolls and their conversion points (Well, maybe with King of Hell and Kirin because of their price). What really bothers me though, is the following.

An example:

I have spent 27000 Summoning points to buy 75 fragments of Monkey King. Then I pull Monkey King from the summon treasure. I go to Summon Shop and Monkey King is gone, along with my 75 fragments worth of 27k points.

I dislike that even if you have an amount of summoning points invested in one of the summons of Summon Shop. And then you pull the said summon before you can finish buying the rest of the fragments. The fragments you had already bought just vanish into thin air like you never even bought them, and your hard earned points you spent are gone with them. No refunds. This just doesn't seem fair.