Originally Posted by Missyrose
I think you're missing one important way Disney gains points to sell. Every month Disney gets back thousands of points from people who simply want to walk away from their contracts because of financial issues and also via foreclosure on people who have stopped making their loan payments. This category of contracts far outnumbers how many contracts Disney gets back via ROFR ( and more importantly for Disney, these contracts cost them nothing to reacquire).
Wow! I didn't realize they were getting that many that were either being foreclosed or given back to Disney. Guess it makes sense in a bad economy. That's one reason I wouldn't want to finance. I think you could at least pay a chunk of your annual maintenance dues via renting your points if things got bad as an individual. But if the economy tanked really bad, especially worldwide, then even that would be difficult. We can't know the future but certainly something else to think about.