Add-on User Upgrade & Permissions

Characteristics expected :

1- User will earn point if they post a thread, a reply, etc.
2- User will earn point if their attachments downloaded by another users.
3- The point of attachments will be determine by admin or staff.
4- User has to have enough point to download a attachment.
5- User, has no point, can display all forum but cannot download.
6- After downloading, user's point will be decreased automatically.

Note: I don't have resources manager.

How can I do this ?
Should I have an add-on to do this or Can I do this using user-upgrade setting?

Best regards.

@Jake Bunce
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