It is certainly possible that Quirrell Points are a better investment than lack-of-debt-to-Lord-Malfoy, but if so I would expect Harry to explicitly realize this rather than just entirely ignoring the option of exchanging them!
It is certainly possible that Quirrell Points are a better investment than lack-of-debt-to-Lord-Malfoy, but if so I would expect Harry to explicitly realize this rather than just entirely ignoring the option of exchanging them!