All true, however, we do see that Disney jumped through hoops to ensure that the cash payers were made whole+ & frankly I'm getting the feeling that
DVC is simply being given a polite attempt with the knowledge that we're made up of Disney fans who will forgive a lot to keep going & because we believe that Disney is mostly "good". So they dangle the carrot for those who may or may not return to spend money as opposed to those that are an almost annual source of income.
I understand it as a business, but it doesn't mean I think it is right or fair.
I was actually looking at booking some added pre vacation time at Vero Beach and a few days after at WDW. But because of the way they have it set up with saying those points are gift points, I can't book any November time until after August 1. It is a very fine line that I simply do not see of that I feel makes any sense whatsoever. Considering that Disney tells everyone they have no idea (exactly or ball park) of how many points are unused in a years time, it seems they are simply assuming that 100% of the points are used which is a major improbability.
Sorry, let me climb down off the old soapbox here. But that is what my frustration is. I really am more than happy to live with my points expiring at the end of Nov. While I don't think it's as fair as it should be, I could live within that parameter as long as I actually had until Nov to use those points. But the truth is I can only use them between now & August 1 or after August 1 to Dec 1.