Could not agree with you more... a couple of thoughts here....
1. I hope Disney starts going after these companies that are in essence holding companies for lots of points. That to me seems against the terms of service. My issue is not that they rent out points, my issue is the reservations they hold and prevent others from getting what they would like.
2. If you're looking for VGF, or want a monorail resort guaranteed when you stay at the least, it seems to me VGF direct is the way to go right now. From what I can tell, the board sponsor, right now, doesn't have a single listing priced as attractively as the
DVC direct pricing for VGF. If you don't care about location, and you are under 40, and are quite certain you will never sell, Riviera, despite the resale restrictions, is very attractive as well.
3. There are still some sweet spots in the resale system. For example, at the right price, Aulani looks particularly attractive on that front if you imagine you'll go to Hawaii with regularity and/or don't care where you stay, but just want to be on Property. (Don't talk to me about probate... I'll be dead!)