Suppose I have hit the daily reputation cap and my upvote gets cut-off. Can I just forward the points I lost to the next day? Otherwise it seems like the answerer loses out.
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No, this is not possible. If it were, then there wouldn't really be a cap at all. And since the cap serves a useful purpose, we should keep things the way they are.
You could come up with good answers to questions and not post them until the next day, but there are (at least) two problems with that:
I disagree, that would defeat the point of the rep cap unless you hit it every day. Currently, the rep cap encourages participation over time and prevents you getting a lot of rep for one question/answer. However: