The thing is, I don’t really understand why Disney cares about people doing either of these things?
To the first point, for a long time DVC has shown some interest in limiting activity by brokers and other overly-active renters. There was a time when rental brokers had members add them as an associate to their contract, so they had the ability to make and manage reservations. DVC essentially put a stop to that.
There are a few entities who have access to / control of massive amounts of points, combined with the knowledge and wherewithal to use those resources to turn the greatest profit. That activity invariably disadvantages others.
Will 2FA stop them? probably not. But depending upon the exact business model, it stands to make some people's businesses considerably more difficult. Like when the associate designation was limited.
Yes, Disney has selfish motivations for changes like this. Rentals undoubtedly eat into their room revenue to some degree. If they make the entire rental process more cumbersome, especially for non-members, some will just decide to bite the bullet and pay Disney direct.
But I also think they want run-of-the-mill DVC owners like you and me to have a better (fairer?) shot at making room reservations. When members get frustrated over lack of availability, DVC has to deal with the complaints, owners selling, increased recommendations to not buy DVC in the first place...
As for the data mining, Disney is notoriously secretive about such things. Imagine how DVC point sales could be impacted--both direct and resale--if there was precise data available showing how hard it is to book AKV value rooms at 11 months or BCV rooms at 7 months. Imagine if owners knew exact booking trends for the Poly bungalows rather than just speculating about demand (or lack thereof).
