The big difference is that when you become an owner, you are not dealing with Disney anymore as their customer when using your points.
You are a timeshare owner who, along with other owners, are responsible for making sure the system can function.
It’s really not up to
DVC to make too many exceptions because they have a responsibility to the owners to manage the system effectively.
Yes, they get to set rules etc but we pay them to do that for us.
That is one change that one must accept when moving from a Disney cash guest to a DVC owner.