My family of three had Platinum APs for over 13 years. The current APs were on the payment plan and they simply stopped taking payments, so we really did not lose anything; the payments stopped the same month WDW closed. I loved the payment plan and I used my Disney CC to pay it so I made disney dollars to hand back to the mouse
Now passless, I have no idea if/when we will get APs again. Lets see what types and prices they will offer..