When I bought my first set of contracts back in 2010-2011 (the plan was to rent enough to pay for MF a common strategy and recommendation at that time) they came with a ton of banked points which I rented out. I wasn't aware of the then current rule of 20 reservations in a 12 month rolling period so I did a lot of small point rentals. I broke that limit and got a letter from
DVC. I called them and talked with them about the rules. I've never since been contacted about any problems with my reservations.
My point is that I was a small owner back then and I certainly wasn't a commercial renter. I was a brand new owner looking forward to my first use of my points and being able to stay at a deluxe resort for the first time. Yet I still fell in the net so to speak. I will not be surprised that a lot more people get caught in this then just the "commercial rental companies".