Thinking more about the access, there are a couple of access types that seem to be problematic:
1) Anything that does queries and caches the results;
2) (1), where the cache is made available to other people.
3)
Providing a forwarding service, where a third part contacts you through an API of your design, which prompts your API to log into the for-pay DDI using your login information to complete the request.
In a group environment, I can see (3) being very useful, where the DM and players each has network access, and where the DM has a portal to the
DDI, and where the players access the
DDI through the DM's portal. That seems useful enough, and simple enough to implement, that folks are very probably already thinking about doing it. That also seems to be exactly what
WotC would
not approve of.
Note that a web-site may have a policy that prohibits access to secondary pages without your having visited initial pages, and this is (?) actionable (?) enforceable, and has been tested through case law.