Whilst I agree with your sentiment your comments are not 100% accurate. The member you rent from is liable for any damage a renter may make to their room and for any unpaid room charges. Disney will hold the owner responsible. The biggest risk an owner takes renting points is that the guest they rent to trashes the room and they are left with a big bill and a difficult if not impossible task of recovering the costs from the renter.
I have an issue with the sentiment. Almost everyone paid a lot of money for their room at Disney - other renters paid it in rental costs, members paid large up front fees and dues. No one is entitled to a better room than anyone else because they "paid a fair amount to be there." When you get to your room and discover that it has more of a parking lot view than the view you'd hoped for, and you go down to the front desk to get a room change, you are saying "I'm more worthy of a better view than the person you'll assign the room I don't want in an hour or two when they check in." That person may have put in a room request when they made the reservation. They may finally be getting a room they want after years of getting stuck with poor views or long hallways.