Considering we have to have at least 200 hours in training before we are allowed to 'go live' without being attached to a trainer, I can't imagine the average DVC member being able to understand banking, borrowing, transerring, and the 45 (so far) different room categories we deal with.
If each MS rep needs 200 hours of training to understand points this only highlights the need for a web based system. As DVC continues to grow the number of reps will need to grow linear with it. At 200 hours of training this is expensive.
But I would have to assume the bulk of the training is not understanding booking a DVC room (banking, borrowing, room) but in other aspects. These would be the phone system itself, transferring points, booking outside the DVC resorts from a non-dvc hotel to a Disney adventure, dining options, ticket options, ME, and everything else. Some of this is already available online (banking and tickets for example).
Can it be done? Maybe.
Will it be done? Don't count on it.
Considering the number of times daily that I have to explain things to members, MS isn't going anywhere.
It can be done and I would bet it will be available within 5 years. As more people become comfortable online and would prefer to do these types of things online demand for this will increase. And as technology increases and the cost of implementing and maintaining a simple system (the base rules never change) like this declines this will become.
Will MS go away, no. I do not believe anyone has said it will. Those members who do not wish to or can't use the online system will be able to call MS as they always have. And there will always be cases such as transfers and booking outside DVC that will need to be handled by MS. I don't understand why those who don't want this insist it can't be done or done well. Why can't we have both? Granny, you can call MS and I will book online. I bet we will both have a great vacation.
As for fairness, it would be perfectly acceptable if high demand times are available via MS only to eliminate the the fear of unfair online practices.
And as rinkwide said, as costs for call centers located in the US increase New Delhi will look attractive. If DVC finds a way to keep costs down MS can remain local.