Here's the nutshell of the problem with a payment plan for out of staters as it's been explained to me.
The problem is collections, unfortunately. Like a lot of things in life, the 2% screw it up for the rest of us. Let me explain.
You buy 4 APs for your entire family at 10% down and set it up on 12 monthly payments. All is fine and well, right? 2 weeks later, you and your entire family leave the secure confines of your beautiful estate in Oakwood for a glorious 10 day get-away at WDW. Eat, drink and be merry. Had a ball on your
once-in-a-lifetime trip to WDW. CHEAP TOO in the grand scheme of things! FF back home to the Oakland compound, never to make a monthly payment again. Cheap trip, except for what you drank, of course.
FL residents are MUCH more apt to return time and again, therefore there is not only state enforcement for payments that doesn't cross state lines, but there is the fact that they will likely WANT to be able to use their tickets again and again. Even more so, they may want to be able to buy tickets in coming years and don't want to be on any blacklist because they only live in Tampa. See the problem here?
My argument has always been that we, as DVCers, fall much more in line with the FL residents in that
we are vested in coming back too, and the few that would abuse this would not nearly nullify the benefits to the
DVC masses. This thing has been studied to death internally (from what I have heard) and the general belief is that there would not be that many more DVC AP sales to DVCers if the payment plan were introduced, the argument being DVCers (are going to) buy them either way. It's a valid argument and it holds water to a certain extent.
Anyway, that's the argument I have heard, right or wrong. I think they would benefit greatly from this offering and that the numbers are close enough to make it worth a try (to DVC AP holders ONLY and NOT the general public). It will happen sooner or later, whether it's sooner or later remains to be seen.