I don’t think individuals reporting would be very effective, & it’s not something I’d personally do, but it doesn’t offend me if others do so. For example I’ve lately become aware of social media ‘spreading the word’ of where to park your RV or van overnight w/out getting caught in my popular w/ tourists hometown which forbids overnight camping. If reporting caused some of the YouTuber/influencers to get caught & have to pay fines & thus to stop telling others where they can break the rules against overnight camping in my neighborhood (especially the ones suggesting they park next to the park I live across the street from) I’m good w/ that. Likewise, if reporting caused
DVC to crack down on the egregious for profit renters & discouraged the practice, I’m ok w/ that.
I don’t think DVC really cares whether people are renting their points for profit or not or engaging in a profit making activity, IMO if DVC cared, they’d take more aggressive steps to curtail the practice.
If I ran DVC the first thing I’d do would be to have a check list as part of the online/phone reservation process w/ 3 choices, I am making this reservation: 1) for personal use; 2) as a gift to a family member/friend; 3) as a rental for which I have or will receive money or other consideration. Then I’d cross check the data by having any nonmember lead guest check a box when they did online/desk check in indicating whether the reservation was a gift or if they paid for it. Then I’d look at the data gathered from that information to see if there really was a pattern of abuse/misuse & if there was I’d take steps to address it.
I personally think 20 as the number is way too high, 10 or even 5 rentals per calendar year being the number that triggers scrutiny doesn’t seem unreasonable to me. Note I’m not advocating an outright ban of more than 10 or 5, rather anyone who reserves more than say 10 a year in non members names is presumed to be engaging in commercial use and must disprove that they are. The owner is notified & then sends copies of the written contracts DVC requires them to have which show that their proceeds do not exceed what they pay in MFs for all their points or whatever other metric DVC sets to distinguish personal use from commercial. If the owner gifted more than 10 stays, they just send written verification of that signed by the owner & the recipient.