They do have a quick service for breakfast and lunch. The beach house has a quick service lunch and a seasonal bar. However right across the marina from the resort there are several restaurants and bars. Depending on room location a 5-10 min. walk.
No bar. No sit down restaurant. So you can't charge to your room.
But, there are bars and restaurants closer to the Disney resort then the bars and restaurants in some of the WDW hotels are to the rooms.
Shelter Cove has 7 or 8 restaurants within a 5 minute walk. You would not drive to these. Some have attached bars. Kingfisher and Scotts are the closest.
But - bring your umbrella - I got soaked walking back in June!
There are some good places to go on the Island - I would save the Shelter Cove for a night I didn't feel like doing much.
Yes , at the Beach House they have a seasonal bar , Surfman's sand bar.
In addition, at the Beach House they also serve some alcoholic drinks at Signals .