I've only read 10 pages so if this has been mentioned, forgive me, but I think a real issue with Money Magic Hours (MMH) is that it pretty much sets park opening times in stone. As we all know, Disney is (in)famous for extending park hours at late dates, opening earlier, closing later, and messing peoples' carefully made plans. If they've sold tickets to Money Magic Hours as an event starting at 7:45am, can they reasonably extend park opening hours from 9am to 8am, and consequently change Money Magic Hours to start at 6:45am? It's one thing for EMH to start earlier, as it's a "free" benefit that people will or will not arise early for, but MMH are not cheap, nor refundable; for a family of 4 it's about $240 (assuming 2 adults, 2 kids). Are you going to be happy paying this kind of money only to have the hours changed and discover you have to blast your family out of bed an hour earlier or lose $240?
Also, EMH WILL be effected. IIRC, there used to be several EMH days at MK; now we are down to one day a week. Fortunately, during peak crowd levels, Disney has had the flexibility of adding EMH days to spread out crowds and allow more people to experience MK. This isn't going to be an option if MMH are scheduled... and I can see them doing MMH on multiple days if it proves profitable. No way to add an EMH if there's a MMH already planned and paid for.
I think one poster WAY upthread said it best: It used to be that when at Disney World, I ALWAYS felt like a guest; now, it's clear that I am nothing more than a customer.