The other thing is that Florida residents visiting enough already buy the same, or cheaper, annual pass and get the same discounts so if Disney wants to sell more direct points to people within a few hours drive they need to differentiate from resale contracts.
FWIW the current upcharge is about $7,500 if someone were to buy 150 points needed for direct benefits at OKW at $145 with incentives instead of about $95 resale. It's not as high as numbers other put out here but it's still a big number that's basically just for lounges + *opportunity without guarantee* to book Moonlight Magic and the occasional event. It's not convincing enough to some Florida families I know that could pretty easily pay the difference.