I guess I didn't make my point very clearly. The whole point of the blue card vs white card is to encourage people to buy direct. they started at 25points, and then people figured out a loophole of buying resale and then doing a small add on, so then the cycles of raising it began. IMO, if they go past 150 points you could see some potential direct buyers move from direct to resale as there is no point in buying direct if you don't get the blue card. Disney is trying to find that sweet spot to move people towards direct. The don't want to do ANYTHING that might make it swing back. So I'm not saying never, just that I think they have gone about as far as they can without the negative impact outweighing the positive impact.
As many buyers have concluded, with the limited "perks" that come with a blue card/direct membership now, there is a much greater financial incentive to buy at resale prices vs. direct prices ( "points are points if you don't care about Riviera/new resort restrictions.")
If Disney wanted to cut into the resale market and realize some potential profits that are out there (especially with 2042 resorts that may start to experience falling prices as the limited number of remaining years dwindle), they could:
1. Increase their exercise of ROFR on the 2042 contracts--buying them up at lower resale prices and increasing their inventory of "newly available" points to sell at their "sold out" older resorts;
2. Add an incentivicizing direct member/blue card required perk. Maybe they don't bring back Annual Passes as they previously existed (to avoid FL locals who spend less per day from crowding out the higher spending tourist/vacation guest), but they create some 'annual-pass-like product' exclusively available to direct DVC members;
3. Offer incentives at the sold out 2042 resorts that bring the price closer to resale prices (but that they're still selling at a higher price than what they bought it when they exercized ROFR), but raise the min number of points to qualify for a blue card from 150 to 175 or 200.
Hypothetically, if I were a brand new purchaser weighing my options between resale and direct for a 2042 resort (with the remaining years dwindling down from 20) and my choice was between buying BCV 200 points resale at $165 ($33,000) vs. buying direct (with incentives) at $230 ($46,000) but with a direct exclusive perk that would save me over $1000 each year in ticket purchases for my family over the next remaining 20 years, then I still come out ahead overall with a direct purchase (by $7000) and DVC comes out ahead (ex. 200 points bought through ROFR at say $160 and then sold at $230 after incentives) with profits that ortherwise would have been lost to the resale market.
I think Disney might conclude that the margins only work with enticing purchasers to buy direct contracts at 2042 resorts in the coming years (at reduced incentivicized prices) with a higher number of minimum points required for direct benefits.