Yes, Accor is by far the most convoluted points program --- I can't count the number of times I've been to a hotel and tried to use points on checking out and they've said random things like you have a 1,000 points / stay cap in your account, which there wasn't --- and yes, how their different reward systems and cards relate to each other...
And I'm not sure if it quite fits in here, but why is it so tricky to book online reward flights on partner airlines without having to doing it over the phone, when it shows you the availability online and lets you go all the way through to the payment screen (Virgin Atlantic on Vietnam Air, KF on Air India etc)