I cannot agree. The biggest problem is people acting selfishly, without integrity. Companies should be able to rely on the integrity of the general public to comply with terms and conditions of offerings. It is the widespread degredation of integrity that is, specifically, the "biggest" problem.The biggest problem is Disney, itself, failing to enforce the rules except when they get flagrantly out of hand, i.e. SAB pool hopping.
Also, enforcement costs money, and so enforcement (by a business) is only appropriate when the cost of abuse exceeds the cost of enforcement. Furthermore, remember that the cost of enforcement includes the cost of lost business from the transgressor, and the cost of lost business from non-transgressors due to the procedural impact of enforcement on those with integrity.
Having said that, our society's chronic problem with integrity is so severe that enforcement is often warranted, and as we can see, often applied by Disney to address what it considers severe abuse.