If I had to guess what DVC is going to do, it’s vouchers. For people who lose points, refunding maintenance fees is an option until the pool of owners gets too big and they don’t want to hemorrhage that much cash. As someone else said, allowing people to bank again hits a breaking point when the points available to owners exceeds capacity for the resorts. To save face, and encourage future sales, I think they give those owners things that doesn’t cost them a lot—vouchers for upgraded rooms (availability permitting), free meals on your next resort stay, merchandise, making a deal with Parks for park tickets, priority reservations, etc.
Doing nothing will only tank future DVC sales.
My wife and I had a May 2020 WDW vacation planned, but for reasons unrelated to COVID-19, we had to cancel. To avoid losing our banker December use year points from last year, we booked a May and July stay at
Disneyland Hotel. There will be enough of an opportunity to use those points by November if the parks reopen. But if they stay closed into August, it will be a different ball game.
They will do something, but it just won’t involve cash out of pocket for DVC or flooding the market with even more points.