All good points. To put things in perspective, Disney's "crime" here is that they are maybe a little aggressive with their cost avoidance assumptions or overly optimistic about the fluidity of points across resorts and room types. Placing this on a spectrum, it does fall further away from where they once were. But again, on that same spectrum are major chains who actively manipulate scenarios and obfuscate the truth and only fess up when an astute buyer paints them into a corner that they cannot back out of. Or worse yet, lesser companies who drive you to their sales office in the middle of nowhere and when you refuse to buy they berate you, kick you out of their office, and leave you to fend for yourself to get back to your hotel. (The first scenario happened to me, the second did not but it does happen.)
My point here is that it is fair to be critical of
DVC and the changes they have made recently, but we should also consider the larger context as well.