Up until last year and only after my original post did I read the II rules. I never had to. While I often look to go outside the box, I do so trying to eliminate risk. They are not always mutually exclusive. This is the reason I reached out to legal and when I did, I found the most senior person. I gave them my name, II membership number and confirmation ID. I gave them the email tracking ID for when I submitted online questions. I gave them the names of the people I spoke with (with their permission). Legal knew more about me on II than I did. I wanted a definitive answer to what can and can't be done. If you look at the full answer, the answer was broader than for an individual person and more about the transaction. This is an opinion from someone who did not actually exchange even with permission and should not have a need in the future to do so.
I do believe II's enemy is the commercial abuser and to a lesser extent individuals who rent. Their biggest challenges are environments they have zero control of such as closed facebook groups, Craigslst and many others I do not know about. At some point they are going to need figure out how to make money by embracing this. I think II's biggest asset to combat this is membership transaction history and artificial intelligence (not saying they use it). I looked at my history to find that I exchanged my Legacy Vacation Club Orlando 18 times from 1996 to 2015 (when I got rid of it). 15 times it was traded for a Marriott, 3 times it was to non Marriott and the rest it went unused. On the 18 trades I had zero retrades or guest certificates. Over my ownership I traded my Monarch week 3 times. Over my membership span I show 23 getaways. Most were for family or friends. Most have my membership number, my ID and password. I was involved in very few of them and none of the fees were paid by me. It would not be very hard to see pattern changes.