I wouldn't use the term perk, as perk is associated with a bunch of other stuff with DVC that has differentiation between direct and resale buyers. Banking/Borrowing is directly tied to the real estate interest, so DVC cannot restrict it only to direct or similar. Everyone can bank or borrow under the same rules, but those rules can change based on point balance.
Most of us have always believed the bank/borrow restrictions would start getting invoked sometime in the 2030s when the 2042 resorts start aging rapidly. But this crisis has put a borrow restriction in play, and if point issues build up due to low demand (and two closed resorts), they may expand and may last longer than 2-3 years.