Don't set them to 0, read them back as 0 if they don't exist.

Code:
on *:text:!points:#:{
  if ((%floodpoints) || ($($+(%,floodpoints.,$nick),2))) { return }
  set -u10 %floodpoints On
  set -u30 %floodpoints. $+ $nick On
  msg # $nick has $iif($readini(Points.ini,n,$+(#,.,$nick),Points),$v1,0) total points.
}

on *:text:!points reset:#:{
  if ($nick isop #) {
    msg $chan All points are now erased
    write -c points.ini
  }
  else { msg $chan This command is only available to moderators. }
}