Perhaps you should read the OP post, then, as they were not making demands and requesting accommodations to any terms of a rental agreement. The DVC Rental Store is informing renters that if the parks / resorts were to close and the DVC Member were to receive their points back, the renting party would not receive a refund if they didn’t purchase the cancel for any reason insurance.
Even though they legally can’t sell that to NYS residents.
since nothing has been closed yet nobody including the agents know how it would be handled. So with no other info they are going to go strictly by the terms. If things did close deciocions would be made at high levels on how to handle dvc and things like that. No agent is going to be able to give you what If beyond what’s in the agreement because none of those decisions have been made yet.
short answer. Until or if things are closed nobody yet knows how dvc will be handled for owners or renters.