Well, you could buy a Disney gift card (or even a pre-paid credit card) for the amount of the dining plan and use it whenever you dine. Anything left over is gravy.
Problem solved.
Nope, the (non-existent for me) problem isn't solved. With the Dining plan I eat what I want and I have desert. Without it, I eat cheap and skip desert--that isn't vacation to me, that is everyday.
There's a contrast here, and it's a
huge driver of the "Should I? or Shouldn't I?" threads.
Person A (In this case, Mr. Swift), sees the prices on the menus moreso when he's on a plan, and thus is attempting to make sure that his choices justify the money already spent. This brings down his enjoyment at vacation-time. If off the plan, he already has a rough ceiling on what he's planning to spend, so changes offer additional pathways to save.
Person B (in this case...um....olwyngdh (I'm not going to even say "I hope I spelled that right

)) sees the prices on the menu moreso when she's off the plan and is trying to keep track of the budget/ceiling already looked into. This brings down her enjoyment at vacation-time. When on the plan, it's already taken care of and planned to an extent that she's likely to come out ahead (including the subjective "convenience buffer") and can just get whatever she actually wants.
It's simply two different ways to look at the dining, and is part of figuring out if (or which) plan is right for you.
To take note of the "keeping track of credits" thing though. I do find it much easier to handle 1 meal per credit usage vs 1 meal per money usage. For example, I have 9 TS, I eat at 'Ohana, I now have 8 TS. Or, I have $500 (which is roughly the cost of 9 nights on DDP), I eat at 'Ohana, I now have...um...$500 - 36.20... $463.80. The next day, I hit up the Mama Melrose F! package, now I have 7 TS remaining, or $463.80 - $35.14 or... $428.66. Keeping track of low count whole numbers is typically far easier for most people than higher count floating decimals. Of course, smartphones make it a "tad" easier, but 9-1 is still going to be easier than $500-36.20

.
With the dining plan, I have one card to keep track of, my KTtW. Without it, I have multiple cards (because I would have bought them over time just like I pay for the dining plan) and I have to make sure I have the one on me that have enough money on them, and worry about the other ones left in my room.
For the gift cards, if you can charge stuff back to your room (I believe that's available at SoG, as well as all other Disney Resorts), then you can simply charge the meals on your KTTW card and pay off the room bill with the Gift Cards. This give you larger chunks to take care of, and means you can keep those high valued GCs in your room safe where you're less likely to misplace them and they're more likely to be secure.