Keep in mind that a prepaid credit card or gift card, is just like cash. If you loose it, it is gone and you are SOL. If you loose your ATM/Debit or regular credit card there is little liability on your end.
This is thrown around a lot, but it is simply not true -- As long as you keep original proof of purchase, you can call in, report a lost Disney GC, freeze that lost card, and transfer the balance to a new card.
See the FAQ at disneygiftcard.com, where it says "Promptly call 1-877-650-4327 or Contact Us via email to report the card lost or stolen. Your Disney Gift Card will be 'frozen' and funds remaining on the card (at the time of the call) can be transferred onto a new card. An original proof of purchase receipt for the Disney Gift Card is required to transfer the funds onto a new Disney Gift Card.
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Granted, many people don't make the effort I do, but it really isn't that tough -- we typically travel to DLR with 3 gift cards; I have a printed page that lists the three card numbers and includes copies of the proofs of purchase. That page stays in the hotel room. I have the ORIGINAL receipts at home. As long as I get the card FROZEN when I loose it, I can pull cash from some other source for the duration of my trip, then deal with actually RECOVERING (by transferring to a new card) the remaining balance once I'm home. We're at some version of Disney (DLR, WDW, Cruiseline) at least twice a year, so it's going to be used anyway!
If I loose a card and someone quickly finds it and wants to use it, they can, of course, drain it quickly and then I am, indeed, out of luck. However, if I loose it and it is not quickly found, or someone finds it and just tosses it thinking it is worthless, or if I just discover it missing faster than anyone else finds it, I can freeze it and recover the funds.
Not super safe, but absolutely untrue to suggest it is just like cash, loose it and it is gone.