Instead of efforts being represented by points, and player A losing 900 points of effort, and player B losing 9 points of effort. Consider points equal to hours spent towards the goal of saving. Consider player A losing 900 hours of their playing time, and player B losing 9 hours of their playing time. You can debate how much of an issue it will be, but you cannot simply call it math problem nor a non-issue...
There are examples of redenomination in real economies. These are never simple math problems. Granted real economies are more complex and scaled larger, but there are enough similar characteristics in a game economy to consider them.