I can understand how making reservations online might be complicated to manage with borrowing, banking, etc. But there are some things that would be helpful and from a programmer's point of view, I don't see as that difficult to create. I'd like to see:
1. Online access to my account balances. Show me my current points, show me next year's points.
2. Online access to my current reservations. Show me what I have booked and when.
3. Show me availability as of yesterday at close. At the end of each day when the reservation system is closed, generate some web pages that show availability for each resort over the next 11 months. This could be some type of color-coded calendar for each resort and room type. By color-coded I mean white could be plenty of open rooms, yellow means 80% booked,
red means fully booked. This would be a static page for the day. It wouldn't be updated throughout the day. It could have a BIG DISCLAIMER that says that the data may not be current. But it would be good for planning if you just want to get an idea of what a certain time period looks like.
If members don't have to always call MS to get this information then wouldn't it save money in the long run?