If you are unable to get Disney dollars for any reason I thought I would share with you what I did.
As an incentive for my kids for our Dec 2007 trip I made my own Disney Dollars for the kids to earn, I made them in business card size, added some creative Disney clip art to the different $$ amount, I went from 50 cents up to $5. I signed them with character signatures and as the kids earned them they had a Disney envelope to keep them in. The kids had an option, turn them into me and I would purchase real Disney Dollars once we arrived at WDW or give them greenbacks. My kids were older (late teens) yet they really got on board and had fun with it.
Of course I had to save as they earned, but it worked out for us. We have no local Disney stores so even at that time purchasing them was hard
I made a cardboard poster with chores or school incentives listed the amount they could earn and hung the poster in our kitchen area.
Just an idea I thought I would pass along.