I bet this rule will relax. For quite some time this rule was in place with the DDP. It was not a success with guests so that rule was not only tossed out, but IIRC, there was verbiage that you could use your credits as you saw fit. I believe that price, the reduced reduce the RE the snack credit, getting rid of the CS dessert and restricted us for how credits are used.
I think Disney is in for a bit of a surprise. While people might have been okay with increased fees and higher costs for a WDW vacation following covid, i do not think this is going to be sustained long term. In order to ensure that guests keep their vacation dollars onsite Disney needs to provide a really good reason. The resort hotels are expensive, parks are expensive, souvenirs are expensive and food is expensive. Without Magical Express included in a WDW vacation, some of the benefit is already lost. Once people start looking at alternate means of transportation the benefits of an expensive onsite stay begin to be reduced.
My family always got the DDP. We never really had to work at maximizing credits because I knew how my family liked to dine, but this one? Not so sure. Once you toss the DDP out of your budget, you might look at food differently. Maybe a few meals onsite, but after that perhaps not. I dont think we are that different from other families who liked the DDP. We booked onsite, took DME to our resort, and never really left WDW bubble until DME dragged us, along with our luggage, back to MCO. Disney adjusted when they determined one of their major hooks was failing. I think that if they do not get the mileage out of this current version the first change will be to go back to allowing credit sharing, and the next will be to give the CS snack credit back. If that does not work, I bet the CS credits will be pooled again.
I am not privy to what the resort census needs to be in order to make them viable, but they built them, they will need to keep them filled.