Quick recap, in quidditch, scoring goals scores 10 or 20 points, catching the snitch scores 150 points
Idk how canon this is, but I remember a quidditch computer game I used to play (on Windows XP) where usually when you scored your team would get the ball through the hoops multiple times in rapid succession, so scoring like 5 times in a row. Like if in basketball, if your team caught the ball after making a hoop you could pass it back and shoot again. That at least makes the point value of the snitch less egregious. Everything else you mentioned is very true though.
There are companies that do this. Zipcar is one I’ve used for short-term car rentals to go get groceries while I was in college.