If I - as an individual - list my points or rental via a third party broker’s site (like the board sponsor’s) - then the site is not the member renting, I am…and only my membership should be subject to the commercial review. That said, true commercial renters would NOT use a third party site to rent because the commissions would eat their profit.
So - discounting the third party sites and members renting small number of points or infrequently over the years - I really do think there’s a minuscule number of true commercial renters as per Disney’s loose interpretation.
Obviously true because Disney is not doing anything about it right now. If we are assuming that they are upholding the contract they wrote, then all the activity we see on rental sites is 100% kosher. Brokers owning thousands of points by putting contracts in employee names to get around maximums, locking up popular room types in walks all year long, booking rooms at the 11 month window and making them available to renters on a speculative basis - all personal use and not commercial use at all.
I think by any reasonable person's definition that is commercial activity, and thus Disney is being derelict in their responsibility to enforce their contract. But they'll never admit to it.