Yes, you’re the owner! You are responsible for your maintenance fees. It is in your contract! Not a 3rd person that you rented to but is now unable to travel.
And just so you know, I am an owner. I bought the points to use for my family’s vacation and that is how they are used. I don’t run a commercial enterprise with points I don’t need, which, by the way, is forbidden by your contract!
Yes, you're the renter! You are responsible for your rent. It is in your contract. . . . . .
If renters want the right to cancel without penalty the day before check-in, they should rent directly from Wyndham, Marriott, etc. and pay 3x the price for that right. This is a great example of the economic value of the ability to cancel without penalty -- although some renters now want that benefit without having paid for it.
I may view it differently in situations where the owner can cancel the underlying reservation without penalty, but when the week is fixed, the owner cannot rebook, or there is an economic loss for some other reason, the renter was willing to accept the benefit of a cheaper rental (cheaper than from the developer) and must accept the burdens that come with it.