Cash guests who book through a
travel agent, Disney website, etc. do not have access. Members who book on cash through Member Services do have access.
As for non-members, so the friends and family staying in your villa shouldn't be allowed in? If you book a honeymoon for your non-member child / grandchild / relative, they should be barred from the lounge?
If they are staying in the villa with me, yes. If they are using my points and I am not there, no. My parents did give me their points for my honeymoon (before we bought) and I wouldn't expect to receive any special perks since I am not a member.
A more important question (IMO) is why anyone would ever buy into DVC for the perks. Aside from the AP discount, DVC perks are barely worth mentioning...always have been and always will be.