Well, I have never "abused" the situation...if "abusing" means transferring to rent.
But, here is how I ended up needing more points. I thought my trips were planned for the year. So, I "banked" my remaining points. Then, I got an invitation to visit WDW with some friends I hadn't seen in many years. I had already planned all my points for the next year...had even included my "banked" points in the total (I was taking students to WDW for their senior year, as a gift). So, in order to take this additional trip, I transferred in points. Then, my dh had a conflict come up. He could only get to stay one night at WDW...hardly worth going at all for him. So, we decided that, in order for him to come to WDW, we would make our trip longer...we would show up early with DH and "do" WDW. Then, our friends would come and dh could see them for two days, then he would go home and dd and I would play with our friends. That way, we all got a WDW trip. So...I had to transfer in some more points.
Now, some would say we should've "added-on". Well, first...we had 540 points, secondly...we couldn't afford it, and thirdly...the year before we had too many points and actually transferred out.
Maybe, I have just "mis-managed" my points. Or maybe, the "flexibility" is what made
DVC perfect for me. However, I was totally using DVC for my family's enjoyment....and, still found myself needing two transfers in one year.
I will miss that "saftey net" of flexibility. Also, I honestly don't feel that DVC did it to stop commercial renters. I don't think DVC cares who they "stop"...they just want more room left in the "system" at the 7 month window. Whether they limit flexibility for people who are renting, or for people who use their points themselves doesn't matter to them...as long as rooms are available at all resorts at the 7-month window....DVC is happy!!! They can, in good conscience tell prospective members....sure, you can stay ANYWHERE with these points. I'd certainly be looking for more restrictions in the future.