I gain just 3 points, but the problem loses almost 91 points?
When problems are new you don't get the full change in your rating. For a problem with no attempts yet, you get 20% of your usual rating change. for 1 attempt 40%, 2 attempts 60%, 3 attempts 80% and after 4 attempts, the full 100%.
On the other hand the problem gets much more than the usual rating change when it is new and has only a few attempts.
The purpose of all this is to save users from losing a lot for a problem that is way under-rated, and to get the problem quickly to the rating it should be at.