hmmmm - there COULD be a bit of a hole.
First - we HAVE all the DVC points we want. And we bought them RIGHT through Disney (no dog in this fight)

.
Now - please - shoot a hole in the following scenario:
1) Ralph & Susan buy a MINIMAL number of DVC points at Saratoga Springs - RIGHT from Disney. They are now "real" DVC owners.
2) Next week, Ralph and Susan buy a bucketload of points on the resale market for the Resort they actually LIKE.
The problem: Every so often? Disney HAS to give Ralph & Susan a valid, full tilt "I bought from Disney" DVC Membership card.
I guess (it's a guess) that DVC is going to get into a real MESS with banking/borrowing/transferring points. The only choice LOOKS like an Animal Farm approach.....
"Some Points are more equal than others"

. It's all I can come up with - just seems like we MUST see "Point Categories" in the near future.