I don't see why it's so difficult for them to research who is a commercial renter, someone who has a buttload of points who rents them all out for 3 years or more or rents out a majority for longer is a red flag. They should be flagged and patterns should be watched. Someone "normal", especially when they buy a new contract, it's because they want/need more points most likely for their upcoming vacations not just rent it year after year right away. Renting should be used as a "you know what we've done Disney for the past two years, let's go somewhere else this year and then continue with Disney the following year." Punishing regular families by limiting their transfers is not the way. When Disney wants to crack down on things they do.