I doubt it, if you think about it lets say you are from NY and have two 10 days trip planned, one for December and one for June. You get the AP with the payment plan in Dec because getting an AP is the cheapest way to go.
After the second trip you really don't have any incentive to continue to pay off the remaining balance. So the Disney voids your AP but you already have used it as much as you wanted to. FL residents would use their AP throughout the year so they would have more to lose.
Maybe about the only thing Disney can do to the NY'er is ding their credit report.
Also I thought that the
Disneyland plan was only for CA residents.