Note also, in relation to those proposing far more stringent "commercial purpose" rules than the 20-reservation rule that already exists, that the "commercial purpose" prohibition does not just say that it prohibits using the membership for a "commercial purpose." It explains that a commercial purpose would be shown by a member's engaging "in a pattern of rental activity" from which one can conclude the activity shows a "commercial enterprise or practice."
"Commercial enterprise" is actually a legal term that has long appeared in many statutes (and lawyers drafted the POS terms). Its generally accepted legal meaning is a person or entity that engages in for-profit activity as part of an ongoing business. Doing reservations to recover membership fees, to rent reservations the member made for family or relations but cannot now be used, to use up banked points accumulated during the pandemic, or even doing a few reservations just for profit while you are still continuing to use points for your own reservations, are not things that would fall with the concept of a commercial enterprise.
Moreover, trying to set some low monetary limit makes little sense. A member today could easily do completely innocent rentals in the year and make several thousand dollars, e.g., rent out one reservation the member has to give up because he cannot go using 250 points at $16 a point and the income would be $3,750, and that could not possibly show any pattern of reservations indicating a commercial enterprise or practice. Have someone with enough points to make a bungalow reservation for Christmas time for a week who had to give it up because they cannot go and succeeds in renting it, and the income could be $23,152 (1447 points at $16 a point), and that could not really establish any improper rentals.
Besides other limitations to a member's being able to rent, there is also the current limitation that no member can own more than 4,000 points at one resort and 8,000 total, and that is a "combined" limitation -- it is the maximum that can be owned by one or more members who could join together to make reservations, such as having separate memberships for husband and wife, a member's becoming an associate member on another member's account, or members forming agreements, corporations, partnerships, or other entities to engage in making reservations.