So did I . I think that ' s what might have corrupted it . I initialized my PS 4 after reading up on the error . I had everything backed up again on an external HDD to restore , but it clearly states that the PS 4 will initialize again to restore the back up so even though it sucks because I have to reinstall all of my games I didn ' t restore . It doesn ' t make sense to reinstall firmware if it ' s corrupted . Instead I ' m just gonna download my save files from the cloud . I haven ' t had time to extensively test it , but the couple of hours I ' ve spent on 2 K since doing that have been flawless . <| sep |> To my knowledge Microsoft Points were changed into currency back in 2014 and the Microsoft store works on local currency as opposed to a fake digital currency