The rate at which people earn points is extremely low. If a viewer were to follow a streamer, have a watch streak from watching 2 consecutive streams for 2 hours each, cheer, and actively click every chest that appeared, they'd be able to contribute the max amount of 2,000 to a community goal 1 time. Then have to consecutively watch more. That's a lot to just participate in a community and can deter people from using channel points. After the 1st cheer and sub of the month, channel point "income" dwindles. People have lives and a watch streak 4 or 5 for channel points isn't going to take priority. Viewers need more ways to earn. There's clipping, points per 100 bits, subbing, hosting, letting mods and streamers award points, or just increasing the rate of earning.

Streamers put effort into creating unique & fun ideas for channel points, but that means nothing if their viewers can't use it.