Good question and I hope that is not the case (and we stay at BLT). I realize that you're only innocently responding and my post is intended to share my thoughts only in response to those who actually think Disney should limit monorail service only to monorail guests.
It would seem to me the ONLY reason to limit monorail service to monorail resort guests after a certain time is to prevent crowding. I guess that I believe that between one hour after closing and 11:00 pm, that most guests would be staying at a WDW resort somewhere. (Hard ticket events excluded as that hasn't been decided as far as I know, but it's hard to keep up). And isn't all WDW transportation open to all resort guests (even in the Epcot examples given)? To desire to limit monorail service to only resort guests to prevent crowding comes across as elitist, even if that's not the intent.
Plus, I always thought that the monorail/ferries were designed to transport guests to and from the parking lot as well as to be a means of transportation for those staying at the CR or Poly (and later GF). Granted, there are two MK monorail tracks - Express and Resort. However, many resort guests drive to the MK rather than take Disney transportation. Not everyone is enamored with the Disney bus system. Yes, those guests can still get to the TTC via the ferry, but why limit it to just the ferries if the monorail is also running? Disney should not turn anyone away from the monorail if you enter the station by closing time. For that reason alone, again the ONLY reason to limit monorail service to only monorail resort guests is so that those guests don't have to wait in line a bit longer. While we're at it, why don't we ask Disney to change the direction of the resort monorail resort loop at park closing? The GF and Poly generally cost a lot more than the CR. Don't those guests deserve to be dropped off first as they paid more?