You're setting it up so you don't have to pay a fee that's required if you cancel
But thats the point. I'm not canceling. If my flight gets delayed, which I would have proof of, its beyond my control if I didn't make it. If I dilly-dally around in DTD and miss a reservation, then I should pay the fee and I would.
I have never abused the system by doing this because I either cancel in the allotted time frame or have made it to my reservations. So, no, you are incorrect. With everyone being linked to reservations via a name, address, and phone number it would not be difficult for Disney to see if people were abusing the system and ban them from the parks or from making reservations.
What about people who don't have credit/debit cards? Do you think they shouldn't be able to make a reservation? Thats exactly how I discovered it. I don't have a credit card to my name and at the time I didn't have a checking account.
If my flight is delayed or I'm in a car wreck on the way there, thats not me canceling or "not showing". I made every reasonable effort to keep my reservation but something
beyond my control stopped me and I dare say Disney wouldn't hold it against me in the first place being that I'd have and offer proof of such. There is a difference in that and me just not caring enough to show up or cancel.
When dealing with children, as Disney does, the cancellation should be a lot more family friendly. 4 to 6 hours would be sufficient. I keep hoping Disney will amend this because I can't imagine traveling with kids and waking up one morning to have a sick kid plus dealing with a $50 fee for your party of 5 all because you were courteous enough to not take your sick kid into the restaurant.
There are ways to block prepaid cards. Paypal use to do it. If it becomes a problem, I'm sure Disney will take care of it.