With change comes resistance. This is a common thing with people. It doesn't mattter that this is an ALTERNATIVE option to booking with CRO... Disney isn't taking away from you, they're giving you another way to make plans.
If you want the GURANTEED best rate, and you're an AP holder, AND you have the flexibility to book 120 days in advance, then it'll work for you. Yes there is the NonRefundable deposit. Personally i think it's a good Idea. In other situations it's called EARNEST money. The $50 change fee will most likely be enforced if the changes you make cost Disney Money.
An example: You shorten your dates, or change your party from 3 to 2 people. In this way, yes Disney is going to charge you the $50 change fee. If you extend your vacation or add persons, I doubt Highly that they'll charge you the money. This comes from my friends in CRO.
I do have to agree, it's the abuse of the of the offerings that has prompted this TEST. Folks, depending on response, Disney will either keep this or do away with this. They are known for doing tests on products.
To the person who said that they think this is a way to cut costs at the CRO, I would agree with you. Disney has a high turnover at their call centers, if they can get more people to book on line, the less folks they have to train for 6 weeks and try to keep with them.
If folks take a deep breath, and consider this, it's actually a positive move. If you don't want to book 120 days in advance, you can still book with CRO, you just may end up kicking yourself in the pants when you find out that someone who participated in the plan and saved 35%