I'm sorry, but countering peoples arguments that they will cut short their vacations by saying "just borrow against your future" is just silly. Ok, using your logic, at one point my points got me a week long Disney vacation in a Studio every year. Now, they only get me a week every year until the 13th year, then I can't go on vacation that year. Any way you slice it, I've lost value.
That said, I'm wondering what's Disney's angle with one-time-use points and all of this. I.E. how many people do they figure will be in the above boat, and will just say "Oh, I'll buy the 15 points I need for $19/pt." Another bump in revenue for Disney. There are a lot of folks on here with much more knowledge than me, does anyone know what Disney's allotment of one-time-use points per year looks like? We've bought them a few times over the past years, and have never been told "sorry, one-time points are all sold out for the year."