There appear to be ways to buy and control more points, and setting up a trust to separately purchase the max could be one of them. A husband and wife could double the points simply by purchasing separately. It is possible Disney could challenge those attempts to increase the maximum a member controls, but (a) I would guess there are not many who can and want to purchase more than the max so the issue probably is not likely to arise much, and (b) likely Disney would act only if it creates a problem such as the member is controlling a lot of points just so he can run a rental business.