Yes, you can buy a point each year, you can then draw as a second choice or buy a left over tag or an otc tag.

Yes, point banking will lead to point creep across the board rather than the few hot units that everyone wants to hunt.

Yes, make people pay up front when applying for the draw, that would weed out the guys that apply for every possible tag in every state and then cherry pick the ones they draw and return the rest.