It does certainly sound like most have been held to the 50% rule and that exceptions have been few and far between. They have the right to set the rules around borrowing, which, IMO, can include some level of flexibility, on a case by case basis. Like I said, when they waive holding for a member because they got COVID, it was an exception. When someone missing a banking deadline and they have allowed that person to bank late, its an exception. When they returned borrowed points because of a snowstorm, its an exception. So, in the scheme of things, I think they do the best to support members when situations occur, even when they may not be required to and in the long run, I personally like to know there is some case by case support going on.
Hopefully, the rumor is true that this will be gone by the end of June.