Definitely!!
I would think almost everyone has banked or borrowed multiple times. Whether you go multiple times each year, or once every other year, I don’t think anyone has the perfect amount of points to match the exact amount for every trip.
A lot of people plan on going every other year, so they can use close to 2 years of points per trip, then you have the next year to bank or borrow from so you don’t waste or come up short ever. This was my plan, but I’m having a hard time not going every year. lol
Did a lot of it this year but you can only ‘routinely’ borrow until you reach..”Oh crap, I’m out”. Then you realize money is about to exit your savings account at your favorite AddOnMorePoints.com