Clarified version (for original to which comments refer see below):
At the point of writing the meta question OP had 102 points, but these 102 points included the association bonus of 100 points.
It is by design that the association bonus is not taken into account (see the meta.SO question What is a “protected” question? for confirmation of the above), so that these 102 points in this context should only be worth 2, and thus less than 10.
The intent is that users unfamiliar with a/this site should not be able to answer protected question only by association bonus but still should be forced to have some positive contribution to the site (and thus, it is hope, familiarity with the site).
The current case however shows an interesting coner case, in that OP had had a lot more than 10 points of contribution to this site over time but lost/used them via a bounty (and possibly a couple of them via casting downvotes, too).
That they still cannot answer a protected question in my opinion goes counter the idea of protection. It is not clear to me if leaving this corner case is also by design (perhaps for convenience of the implementation) or was so far ovelooked. In any case I think the documentation likely should be clearer here.
Your 102 points include 100 points association bonus, which is not taken into account.
Put differently to explain the phrasing, you have not earned 10 points on this site, the 100 points bonus are a gift, given due to things you earned elsewhere.
Also see the meta.SO question What is a “protected” question? for confirmation of the above.