Borrowing points known issue, any fix?

This is really frustrating 🙁 I have to borrow only 18 points, I’m outside of my banking window so I can’t borrow and hope to get them back. I’m not planning on going again before June. I can’t buy one time use unless actually making the reservation, and again today with the 50 minute hold the room was gone by the time I got through. The work around is a great idea though!
 
Why are they even bothering to have the 50% borrowing rule in place. Looking at Apr and May, there is still lots of availability. Let people borrow points and book those rooms up if they want to.
 
I’ve had the same issue not being able to borrow with either of my 2 resales. This is the response I got after a couple days from my email:

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