I think it’s 100% about not about having to deal with the headaches of defaults
That actually makes a lot of sense. I’m sure if it were national people would buy and then default - what’s a $300 a month cost when you’re going for a week and you get the discounts? Then you cancel your card and default on the payments so you got a week at Disney for the price of a monthly AP payment.
I wonder what the default rate on UOAP’s are with the national audience.