My DD had the same fears as you. We ate a Pepper Market with our first vouchers and she kept saying to me that this was too good to be true and what was I going to do if I had to pay for all this food!
I admit I was a bit nervous also but I read and reread everything and followed the advice on this board to the letter! And guess what it works like a charm!
I really liked not having to figure tips since they are included in the vouchers. At one meal, RFC I think, I did order a 2nd beverage and I did remember to include a 20% tip on the beverage amount.
Next trip I will get more vouchers for sure. They worked very well for us and I thought it was a great deal. I bought 5 Q&C's and 2 VKL's for a total of I think $120 and that fed us for 6 days! I did bring breakfast bars for days when we had not saved our dessert or just got a bit hungry during the day. But actaully most of the time we were stuffed.
Infact the first night we did not share our Q & C vouchers at Pepper Market. We we very hungry and figured we could each eat a meal. Wrong! We each had a Prime Rib dinner that was as good as anything we had anywhere in the park! For the money we paid for the vouchers it was the best deal out there! Thank God that the Coronado Springs Resort is beautiful and inspires one to walk around and see it after a meal! We were stuffed to the point of discomfort and neither of us ate our desserts, but they made a great breakfast the next morning! Well, not healthy but tastey!
You can go to the top of the budget board thread and there is a thread located there that explains the vouchers in great detail... 
