Wait a minute, I'm new to the DDP & this thread has confused me. TS is divided in kids & adults. But CS is not? So my family of 4 just has a generic 28 CS that could potentially be used on all adult meals? That seems a bit crazy since you could get a half chicken and ribs ($14 value) as an adult vs. yucky chicken tenders ($3 value) as a kids meal! I have a 5&6 year old so they'll want the yucky tenders anyway but I'm just wondering if this is what you are saying.
That, in a nutshell, is
exactly why this is such a hot

topic.

People get upset about this because if a company (Disney) loses money when customers don't play by the rules, then they tend to enact restrictions and enforcements that affect even people who are being honest, and they raise prices across the board for everyone.
It's very, very simple. Disney does not want/did not
ever intend for people to use kids' meal credits to purchase adult meals. The kids' plan is $11/day. Without a doubt, the choices aren't as nice, plentiful, or varied as the adult meals -- and that is why it costs
$28 less per day. If a kid wants something more or different than what's on the kids' menu, then get his parents can get him his kids' meal with his own credit, and use a snack credit, buy something extra OOP, or share some of their own adult meal with him. It is crazy, as you pointed out

to expect to pay $11 for a kid's plan for the whole day and get a $4 snack, a $8 TS meal,
and a $10-$14 CS meal, too

Whether or not it's possible, it is not ethical. And if people keep doing it, then Disney will either separate the CS credits as they did with the TS credits (which they should have done from the beginning), dramatically raise the cost of the children's plan, or if they lose enough money, just scrap the dining plan altogether.
Also, I read somewhere not to a CC # on the same card as your DDP meals so they wouldn't accidentally charge your CC instead of DDP. Should our family get all of our DDP's on one card? Or will they show up attached to our room no matter whose card we use?
I can really see my 6 year old (quite independant) insisting on paying for all her meals/snacks with her own card & she will hate it if only Daddy gets the DDP card.
Sigh. Good thing I have till September to read this board!
I assume your daughter doesn't pay for all her own restaurant meals at home

So just don't even tell her it's an option at all -- let her think all the meals are on Dad's card, period. The credits are stored in Disney's main computer system, and the total credits available can be accessed from any of your room cards. The advice that has been given is to tell the hotel that you do not want room charging on your cards. That way, there is no way that the meal will get charged to your room (and your credit card) instead of being deducted as a dining plan credit. If you really want the option to charge to your room in case of emergency, then only put it on
your card, and don't use your card to pay at the registers -- only use your husband's card to pay (the card
without the room charging privileges).