Sounds like an act of desperation to me. Would Disney offer this if it had current gang buster crowds or projected gang buster crowds?
What would you rather pay? (tax included)--FL resident prices used as example
$392.99 for 15 months or
$314.39 for 12 months? (cost per month x12)
Finally, would you give up the extra free months in exchange having the cost spread out in equal monthly payments as they do in SW/BG and US?