But it costs Disney $6 in revenue if you do this in lieu of a towel pack. That revenue offsets the costs of housekeeping and directly impacts our dues. And, Dean's point is that if you are willing to cheat the system over $6, what else are you willing to cheat?
It probably is pennies on our dues, but pennies to someone with 1000 points might be a Mickey Bar. And I don't get to make the decision for Carol on whether she wants to pay a couple extra pennies for my towels.
More importantly, I think, is that when we find ways to circumvent the rules, eventually Disney decides to put controls around it to make it less possible. I don't want to check out my pool towel and pay for it if it get stolen. I want to be able to wrap my kids in a pool towel back to the room and drop it off on my way to the park 45 minutes later. I don't want to pack my own beach towels. Yet, its completely possible that at some point Disney will say "we are sick of finding pool towels in rooms, we are tired of having to have 15% more pool towels because they aren't in the pool area (or whatever), we are finding too many of them in the regular laundry, and far too many guest are using them as bath towels instead of washing their own or getting a package, and we no longer want to replace them 2x as often because they disappear. Lets check out towels."
I wouldn't be surprised if Disney did this anyway. The resort we were at had wonderful plush huge pool towels with the resort name on them. You got a card assigned to you. You checked in the card, checked out a towel. When you returned the towel, you got your card back. Any cards left after you checked out saw $40 billed to your credit card. I'm sure its a lovely profit center for the resort as people take home souvenir towels without realizing they've agreed to the charge. Disney would likely make a mint, plus solve the pool chair saving issue.