The last set of points will be awarded in 2041. Someone with a Feb UY might borrow those points for a stay in early February 2040. So the earliest a contract will be worth absolute zero (even for its owner) is Feb 2040. *
I think the last year at least, possibly the last two DVS might remove the possibility to bank points. They cannot remove the possibility to borrow, otherwise people with a Dec UY would have just 2 months to use their 2041 points and they would have to compete with every owner who didn't use their last set of points earlier in the year.
* Just a thought: someone using this strategy might stop paying dues in 2040 and 2041. DVC cannot freeze their account anymore because it's empty. They might ask to pay the dues in advance in order to borrow points in the last two years.
I think the last year at least, possibly the last two DVS might remove the possibility to bank points. They cannot remove the possibility to borrow, otherwise people with a Dec UY would have just 2 months to use their 2041 points and they would have to compete with every owner who didn't use their last set of points earlier in the year.
* Just a thought: someone using this strategy might stop paying dues in 2040 and 2041. DVC cannot freeze their account anymore because it's empty. They might ask to pay the dues in advance in order to borrow points in the last two years.
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