If you're a knight of the Cross, helping a lady in distress isn't really much of a reason to get a FP since that's what you'd do anyways.
Putting yourself at a disadvangtage to help said lady would though:
throwing yourself in front of an attack to defend her or
Stopping to defend her when you should be chasing the bad guy who's getting away.
Also, it's my opionion...but not everyone's, so take this with a grain of salt...that if the players are hording FP's it's because they're not feeling challenged. When I, personally, horde FP's it's because I don't think there's a reason to use 'em. That not using them will have no detrimental effect.
Now, if they're using FP's AND they still have tonnes, then it's because the GM likes to give out lots. But that is a GMing preference and not necessarily good or bad.