I think they want you to let your friends and family use it.
when you use someone else name and credit card - the add guest certificate comes up by itself.
so they understand that it is a guest using it.
they also have guest certificates for their exchanges.
they just don't want one person taking all the best stuff then renting it.
One guy (who even posted on the Dis - but only on the rental/trade board) was doing that.
he got a great week at a DVC resort then set a pretty high price. Once the dates got closer he lower his price. but he didn't just do this to one week - he did it to 20 weeks of trades, sometimes the same week.
that is what they want stopped.
with Disney it is almost the same - you can change the name on your reservation 19 times, for 19 different reservation - but the 20th one. You are a professional renter and will be stopped - or at least cut back.
I will sometimes rent a II exchange - but if I don't rent it will definitely use it!
professsional renters could care less about going where they exchanged too. they just got it to rent not use.
that is (too me) the big difference.