A member could do this on their own by hosting the reservation in their account. I doubt DIS or DVC would allow any advertising of such though.
Not really, unless DVC made some exceptions. The one transfer rule would keep an individual from accumulating small amounts of points. The second issue would be multiple resorts and/or use years.
An individual/individuals could set up a not-for-profit organization to accumulate and administer the points rather than Disney taking it on. However, to be truly effective Disney would need to allow multiple transfers in to the not-for-profit's account for more effective use of "leftover" points.
I suggested this approximately two years ago but never heard back from anybody. Perhaps it would be worth pursuing a bit more aggressively, as it still remains an intriguing idea...