I'm not.
Where do you think all of those stripped resale contracts are coming from? Commercial "landlord" buys a contract, transfers everything into another account for later rental, and sells it. Because loaded contracts are undervalued vs. stripped ones, this is a lucrative business model, and it has been going on for years.
If they do not limit self-tranfsers, there is no upper bound on how many times one can do that. So, they are putting an upper bound. Now, a buy-strip-flip operation has to hold at least half of their total number of contracts long enough to dispose of the rental stays. It adds friction of the business model.