Dont forget you can rent out your points on the boards here. I have done with expiring points. Not that i want to i would rather be using them myself..but dont let them slip away.I have a trip booked for a week in December 2021. Have already cancelled July 2020 (for a family member), January 2021, May 2021...the only downside (for me) of being a DVC member is that it's tough to book a solid week on short notice. I lost only 23 (banked) points in this UY but I stand to lose another 70 if I can't travel before March 31, 2022. Fingers crossed.