I prefer this system much better, i like that i can pick whatever games i want to apply the discount to instead of random games or items that i didnt care about.
With that said, i do feel like they could be a bit more generous. 1% for physical & 5% for digital is a bit low, 5 & 10 would be ideal.
If the percentages were better, then I would agree with you.As things stand, its not better.
For the physical rewards and such things, they could simply keep it to the silver coins.
My (locked) thread about how difficulty should be a decision for the developers, not the gamers.