I will add myself to the list of people you heard about who was denied for the same condition I was approved for twice before.
As an addition to all of this, and risk management, one must consider who goes to these parks solo and on their own. Like myself. Of course that is a risk on any vacation you go on alone, and you accept the risk or you do not. Often the answer is no depending on the particulars. However
DAS was a positive in WDW's favor when choosing where to go instead of other options. Now that positive is gone. As posted before, often its not about the money.