It's not unusual to read posts like yours. I don't think there is currently anything you can do with them. But I've just written to MS to suggest a new feature: charity transfer.
It would be great to have the option to "Transfer points to charity". A member would be able to give away any type of points: banked, borrowed, one time use points purchased and then unused, points within the last few months of their use year... no restriction. The points would retain their UY, but once pooled with other members points, it's possible a charity could book a few nights last minute with them. Make a Wish and Give kids the World would be great options. This would be in addition to the one transfer per year per membership.
If others think this would be a cool feature, please write to
DVC and suggest something similar. If they get a few requests, they may look into it.