The problem is the "exchange rate". For a
dvc member to use points on a cruise, CRO has to sell a stay in a DVC resort to comp those points. There's not enough demand for the normal cash rooms, even when they offer 30-40% off or "free dining", let alone being able to sell an ever-expanding inventory of more expensive DVC rooms at full price... So every year the DVC "exchange rate goes down while cruises cost more.