As a non-owner that “rents” points often, I like this idea. I have a system set up that I’ve used to try to mitigate the risk to me because I’m the one with the greatest risk. My biggest concern is always is the “owner” really an owner/real ! I ususally have to do some internet snooping and rely on generosity of Stephen and previous people I rented from to verify the validity of the person and/or their MVC #.