All points and gains are remembered unless you reset points but you can’t ungain a gain
The gain system is something used to remember things for consequences and such.
Say my MC takes a test and you get to use a choice to determine how well they did. And then if they have a gain that says that they passed then there family will have a good reaction but if they failed they have a bad reaction.
There is an explanation on how to use gains in this guide.
Hope I could help. 