Pedro, I can't speak for anyone else, but I'll tell you why I care so much.
When I vacation with my family I, like most people, spend thousands of dollars happily so as to enjoy a good time with my family. On my upcoming trip, rather lengthy, we will be spending not hundreds, but thousands just on food. I have never done the dining plan before and I have studied these threads for hours as I have made the decision whether or not to go with the dining plan. Your apparent knowledge of the way the plan works is greatly appreciated, but I don't see anything in writing to confirm what you have said: that using most or all of a party's pooled credits for adult meals by paying OOP for the kids meals is allowed and encouraged by Disney and by Disney CMs.
Much of what I see on this website is useful, but I also see much of hearsay and differing opinions and experiences. I have seen people say that they had no problem with OOP for kids, and others say that the restaurant wouldn't allow this, that everyone had to order on the dining plan. And again, I see nothing in writing anywhere from official Disney that indicates that it is encouraged to use all pooled credits for adult meals, paying OOP for kids meals.
This brings me to the two concerns (read: why I care):
1) I fear that if I join in with those who use the plan this way, and that if enough people do the same, that Disney will see it for what it is (getting up to about $50 dollars worth of food per day for $10) and either modify the program dramatically, potentially making it a more expensive and less favorable plan for everyone, or abandon it altogether. It may sound overly altruistic, but I don't want to be a part of those who may affect the program negatively for others.
2) I fear that if I decide to go with the Dining Plan based on the opinions rendered here, based on various experiences and possibly hearsay or even bad information from CMs (imagine that), that I could be making a costly mistake if the information gleaned here turns out to be incorrect. Specifically, if I decide that the plan will work for my family of 6, including several tweeners (adult aged children who don't eat much) and one child-aged child, based on the information in this forum, and the information turns out to be wrong, I could be out hundreds of dollars in food costs because of a bad decision. That's not my idea of maximizing the enjoyment of my vacation.
So my opinion on this issue is based on what appears to be the way the plan should work when I see what is available in writing about the plan, versus what is said in this forum but I can't find in writing, versus what the CMs may say about the plan which I probably shouldn't entirely trust, versus what people here have experienced with the plan (past performance is no guarantee of future results.)
So, what is the right thing to do based on what I see about the plan in writing and what seems to be intended by the plan: that one pays $10 per day for kids on the plan and the kids eat kids meals using credits based on that cost?
What is the right thing to do with respect to future guests as a group, thinking about the continued viability of the plan, if it is used more and more widely by good consumers (I don't mean that in a derogatory way) who are adept at maximizing the benefit of the plan by paying OOP for kids and using all credits for the adults in the party?
And, just as important, what is the best thing for me to do regarding my own family's needs and financial interests? What if I make a decision based on calculated and anticipated costs -- planning on being one of those good consumers -- and then I find out in the midst of my vacation that the decision was based on faulty or outdated information and that the decision was therefore not the best decision for my family's needs, and I wind up paying much more in food costs than I had anticipated?
I apologize for being long-winded and I hope I haven't come across as confrontational here. Just explaning my side of the coin.
Good thread.