I don't understand the advantage in pooling points until they must be pooled or lost ...
There a lot of reasons someone might want to use all the future points they can as soon as they can.
1. Something in a specific current year requires a large number of points, such as a family re-union.
2. Use of the timeshare points in conjuction with employment, such as business trips etc.
3. People renting units might need the future points to get the most desireable current year resorts/timeframes.
4. People getting ready to sell or transfer their timeshare and they do not want to turn over points to the new owner or the Resort Homeowners Association etc.
a. The above is one reason, if buying re-sale, the buyer needs to confirm just what points come with the purchase and which ones do not.
5. People that foresee a downturn of their financial position and want to use all the vacation points they can so they are not lost when their account becomes deliquent. That would give them time to resolve the situation, then bring the account back up to date without lossing use of the points.
6. Aging people that do not foresee their being able to travel in the upcoming future. Etc.