Just a random idea....

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Feel free to add ideas this is just a thought...
Why not make it to were if u reach rank 1 and stay in the red for example 20 days without dropping below red. U are given a teachable of your choosing.( to address concerns of perks not showing up in the shrine of secrets.) or give 800000 bp (to spend on who or what u want.) when u get the rank reset u pick your reward and pushed back down to 10 to redo.
While not perfect it achieves 3 things.
1 let’s people get perks they want without having to level a character.
2 ran out of items? Here’s 800000 to invest in your Kate or to level
3 would offset bp and give people a reason to not derank.....
Only a idea, thanks for your time in reading.