To give owners the average would be better than they are doing now, but it still would be ripping owners off. If every owner gets the average, then every owner would have enough points to get some weeks in their season, but NO owners would have enough points to reserve a prime week in their season. If I am entitled to get any platinum season at my resort, I should be allocated enough points to reserve any platinum season at my resort. Receiving the average leaves ALL prime weeks out of reach of ALL owners, leaving them shorted in the value received versus the value of what you deposited. If no owners get enough points to equal prime weeks at their home resorts, then every owner has to trade down using points throughout the system and nobody gets enough points when they deposit to equal the best weeks they are entitled to reserve.
As I said if prime in season weeks are 3000 points, low in season weeks are 2500 points, and all owners receive 2750 points, no owners can afford to reserve prime in season weeks because no owners are given 3000 points. You deposit a week worth 3000 points, but you don't get 3000 points to reserve a like prime week elsewhere, or at your own resort the following year. Give all platinum owners at xyz resort 3000 points, make all platinum weeks at xyz resort worth 3000 points, then the system is fair. Why should all in season weeks be available using weeks but only a limited few weeks be available in season using points?
Who gets those prime in season weeks that are out of reach of every owner at every resort? The only people who can reserve like prime weeks at identicaly rated resorts are multiple week owners, owners who borrow points, or those who buy more points. Think of all the points that will remain unused. Who keeps those? Think of all the weeks that are unrentable using points that should have been rentable. Marriott keeps the points they skim, Marriott keeps the leftover points owners don't use after 2 years, Marriott controls the inventory owners can't afford, Marriott comes out like a bandit both literally and figurativelly.