If you are a business that has to fix prices (like is done with points systems) more than 2 years in advance with something as variable as travel, if you aren't cautious you risk loosing a lot of money, so it could end up being more expensive if that's what is done. The MVC table for using club points in II is dreadful value for a given weeks ownership, it would be a disaster if my MVC weeks ended up with the trading power that is aligned to that, and my weeks aren't even particularly good traders.
The up-side of the current process is that when there is a mass change in reservation patterns, like after the Maui fires, a lot of very good inventory gets accessible where it wouldn't usually be.
There is also something slightly addictive about stalking II inventory for those of who are inclined to do it.