I know for a fact that the way Microsoft sells the Points on the Xbox 360 is unfair due to you’re only allowed to buy in a limited bundle; increments of 800 Points. The next time you buy Microsoft Points, you would notice that it is now in the increments of 400 points, which is $4.99, making it cheaper and affordable to everyone who just wants to spend half of the original 800 Points.
No, this is only online and you won’t see any of Microsoft Points card being sold in retailers with 400 Microsoft Points. Now I am happy for not wasting any more points :)