My original question was:
"Hello. I understand that recently the MK was closed due to maximum
capacity, and no more guests were allowed to enter. I also understand
that if a park has reached maximum capacity, for safety reasons no
guests would be allowed to enter, even if they are Disney resort guests,
or have an ADR within that park. This is perfectly understandable. I
was wondering however, what happens if a meal is paid for in advance? I
am thinking specifically of CRT. Guests that had an ADR for CRT during
the time the park was closed to admission had already paid for their
meals. Would they be offered a refund, or what would happen? Thanks
for your time."
And fairness to the guest won out...at least in the answer I received:
"Thank you for contacting the Walt Disney World Resort.
Guest Services tells us that most times, if you have your reservation
number, you will be allowed in. In those few cases where you would not
be allowed in, you should go to Guest Relations in the park (usually
before the entrance) and have them cancel your dining to be sure that
you receive your refund.
If you have questions or need further assistance, feel free to contact
us."
I would assume that being let in for an ADR would be when the park is not at absolute capacity -- maybe when it's closed to non-resort guests, but they are still letting resort guests in.
I just couldn't fathom that Disney would be that unfair to their guests as to deny a refund if you couldn't even get into the park. And yes, IMO it is totally unfair to deny a refund for something someone paid for when they are unable to use it and it isn't their fault. That's just basic, gracious, customer service. Whether or not someone
should know better, or should be checking constantly if it's a busy season to find out whether or not they will be able to get into the park,
it's not their fault if the park is so busy that they can't even get in. It's not Disney's fault either, it's just busy.

But not every Disney visitor even knows that they should be checking, or scours websites like the DIS, or reads books about WDW. In fact, I'd say even though this seems like a huge on-line community, we are a rather small minority compared to the vast majority of visitors to WDW every year.
I've heard of Disney giving refunds for prepaid shows/tours if someone got extremely ill, or similar circumstances. Disney is a business -- a huge, gigantic, moneymaking business -- but overall, they are still fair to their customers, and they still go the extra mile and treat people very well. That's one of the reasons so many of us love vacationing there and go back over and over.