You ask what is the point, yet not all you perceive necessarily equates or exists to serve the convenience of your human intellect alone. Because you are far more than simply intellect, it is not for your intellectual mind to fully understand all aspects of the being that you are. It is for your intellectual mind to accept there are dimensions to who you are which do not have to adhere to any significance or have a specific point to satisfy the physical brain or perception of value. There are values to your spirit, to your soul, which your human intellect will never fathom through analytical mind. Just because you cannot perceive benefit in a physical sense, does not mean there are no benefits for other aspects of that which you are.
With this said, first understand you are not responsible for the dreams you have. Should your dreams be uncharacteristic of your waking state, perhaps they are immoral or disturbing in nature, this is not a clear representation of your true being and so you should never feel guilty or embarrassed by them. In your waking state your free will prevents you from acting out such immoral or disturbing thoughts, or so it is for most people. Understand thoughts are living conscious creations which take on a life of their own. You are not your thoughts; you are that which is made aware of thoughts, and it is your human intellect which seeks to place ownership upon them to call them yours. They are not you, they exist independent of you at all times. Just as bacteria that help keep your physical body alive exist independently with their own consciousness. You make use of them, for they serve a valuable purpose in experiencing the physical world.
During your dream state your human brain is still very active and receiving and sending signals, chemicals and producing electromagnetic fields. Thoughts, because they are independent living things, seek self-expression and exploration. They do this by interfacing with different cellular memories, particularly your sensory functions to facilitate imagery to play out creative potentials of themselves. Understand thoughts come from many sources. From your subconscious, from your own cellular memories and from other beings altogether, that live inside you, and those that live outside of you. Because they interface with your cellular memories they mimic your human persona, your human personality and desires wonderfully. However, because your thoughts are not you, they lack your conscious will and consequently do not adhere to your waking moral code or structure of self-restraint. So then, these thoughts, which you often call yours, embark on a voyage of self-expression and creation which are recorded in your consciousness memory as dreams. In a sense, in your dream state, certain potentials are played out using your cellular memories to write holographic fabrication thought programs.
At times when those in spirit choose to interface with you in your dream state, they will connect with your cellular memory, your cellular computer drive, and in a sense load themselves into a holographic fabricated thought program. In other words, they will initiate a thought transfer and direct their own thoughts to create images and sensations in your dream using information, or symbolisms from your cellular memory.
What you must be discerning of is your own personal desires which overlay the interpretations of your dream states. Understand your own human biological brain and how it continues to function and process information in your sleep states. As the muscles of your body relax, your attention is detached from exterior stimuli and you enter your sleep state, your conscious will persona folds in on itself. This means the observer that you identify as you is folded inward into its core vibration, the vibration that flows through your solar plexus through your etheric cord. This is one and the same vibration as that of your soul group which you have raised query to. In a sense, your personality, your conscious will is detached from your physical body and your body functions independent of you, though you are still connected via your etheric cord. What your physical brain then does independent of you is it continues to stimulate areas of the brain which control visual patterns of information. Information, more specifically memory, is stored within different vibrations.
Many of the visual experiences you encounter within your sleep states relate to the way in which your brain accesses stored memory images and brings them to life. If you can imagine your consciousness like that of a crop circle formation. A crop circle is a visual pattern of information which is given language through form. From a perspective on the ground the crop circle is simply a perplexing fold of corn. From the air it has a different perspective of greater value for it reveals patterns of information that forms images and diagrams.
Like a crop circle, your brain processes patterns of information which are interpreted and given value by you depending on what perspective you have of it. When you perceive imagery within your dream this is because your brain is accessing memories of imagery and form to give interpretation and language to patterns it is receiving and processing. Your brain is trying to make a crop circle formation within your dream state to express certain activity inherent within your active mind. This means you will often dream about things which you may fear, which portray you or another acting out questionable things or sequences which are re-occurrences from past events. You are not actually causing or controlling these sequences, simply that your brain is responding to stimuli still taking place to which it associates visual forms of language to, borrowed from the memories it already has access to. Put simply, much of the time your dreams are simply a natural process of your brain working independent of your free will conscious identity.
Your conscious identity, though aware of such dreams, is often folded into a deeper state of consciousness, which withdraws its conscious will somewhere completely different. On the occasion when it gains access to such dreams, this is what is known as lucid dreaming; when your free will persona is present within the aforementioned activity of mind.
This is however not to say that all experiences within sleep states are the functionings of the independent mind. Sometimes those of the spirit world, those of the physical world, and those between will place something of their own within your awareness during sleep.