Disney has priced the current plan assuming some credits will go unused and not all guests will be ordering appetizers and desserts for all meals.
It look like Disney may be implementing rules and procedures to prevent guests from paying out of pocket for some family members and using the plan for others at the same meal. They may be trying to make it harder to treat people not on the plan. Some parents don't like the options for older kids on the Menu.
The question is do quests want the flexibility to do whatever they want. Giving a dining account of $50/ adult and $16 /child would give guests approximately a 25% discount. Under that scenario Disney wouldn't care if kids were getting adult meals, if you were just ordering an appetizer etc.
It look like Disney may be implementing rules and procedures to prevent guests from paying out of pocket for some family members and using the plan for others at the same meal. They may be trying to make it harder to treat people not on the plan. Some parents don't like the options for older kids on the Menu.
The question is do quests want the flexibility to do whatever they want. Giving a dining account of $50/ adult and $16 /child would give guests approximately a 25% discount. Under that scenario Disney wouldn't care if kids were getting adult meals, if you were just ordering an appetizer etc.