I believe I was clear that I was referring to the specific mathematical situation and I am aware there are other issues.
My interpretation of the sentence "mathematically there are not enough rooms to be booked with the available points" is that there is no possible configuration in which all the points can all be used.
If there is at least one combination that allows everyone to use their points, then mathematically, there are enough rooms for everyone, which is what is true for DVC. Actually, thanks to the lockoff premium, since we can assume at least some of the lockoff will be booked as studios and 1BR, then there are even more rooms than points.
Is there a risk for a few people to loose their points? Yes, if they do not plan in advance and take the risk to use them late in 2041 or in January 2042 and if a lot of people will try to do that.
This board is full of people saying they're constantly in borrowing mode and end up buying an add-on. Judging from the posts, there are far fewer people who are in constant banking mode, those probably end up selling since they seem less excited in using their membership. Disney knows exactly if this is true and if they need to do something to avoid a 2041 point clash.
If:
BANK is the number of points that will be banked from UY 2040 into 2041
BORROW is the number of points that will be borrowed from UY 2041 into 2040
LOST is the number of points let to expire by members
LOCKOFF is the number of additional points needed to book studios and 1BR lockoff
then in 2041, there will be more points than rooms only if:
BANK > BORROW + LOST + LOCKOFF
(this formula has an easy solution if BANK = 0, ie if Disney removes banking in the last year)
I would say that a lot of members will be aware of the risk of loosing points in the final year and Disney should write to members to make the message clear. But while before reading this discussion I though there was a good chance I would have lost my Dec 2041 points, now I'm far more confident that the risk is low (for me, educated member).