The people I feel bad for is those who were planning to do a 25 point add on with their current resale contracts and are now suddenly having the rules changed on them. I get why Disney is doing it, but it must be very frustrating for them. I am glad to hear that same guides are doing their best to help some of these people out.
As for those who have not yet started the resale process, all that this does is change the equation in Disney's favor a bit more. I personally think it is a more fair than not change once all the dust settles.
I got in at 25 points this past summer. Those direct points cost me about $1700 more than buying them resale would have. I then immediately bought 4 platinum plus tickets at a discount, saving me close $1000 off of that purchase price. Within 3 years, I will already be ahead. Yes, Disney wins as well because they got me to buy an annual pass, but many people who consider DVC are the types to get those anyway.
If I were starting the process this summer, I would go into knowing that I could go one of two routes - all resale or a hybrid route. People looking for smaller contracts could also go all direct. Taking 175 points at BLT as an example, I could either go all resale at about $135 a point for just under $24,000, or buy 100 points at $140 a point at 75 direct at $191 a point. That would come out to about $5000 more. It puts a little more money in Disney's pocket, and would have kept a little less in mine, but does not completely destroy the DVC system as we know it. Once the current buyers get things settled, I think business will continue as normal.