If you really want a character with no accountability you could still do Garden Grove right?
I doubt a lot of people would do that. I have no idea what the policy would be, but I would be mortified if DH tried to get us to sit there, I mean if we could go and sit there why would we be cancelling the ADR?
The character choices are severely limited at Garden Grove. No Mickey, No Princesses, etc. It is the only place you can dine with Timon and I think Rafiki though.
Also, it being off the dining plan is a turn off to a lot of families.
The reason California Grill had a credit card guarantee in the first place is because it used to be open to the public and they had a problem with people just coming up to watch the fireworks. So they closed it to the public and put a check-in desk on the 2nd floor. Then they had guests making reservations just so they could get upstairs and watch the fireworks, they'd then leave without ordering anything. I'm thinking if they did that after the guarantee was instituted, they'd be charged. At character meals, you'd be charged for the full meal just for sitting at the table anyway.
So, now, If I find out I have no appetite shortly before my ADR (which happens), I have to either order and pay for food that will go in the trash (thus taking up server, host(ess), chef time and materials), or pay $10 pp? Since I didn't realize that I wouldn't be hungry enough for a meal until just a few hours before it (if that, but I'd be happy if the timeframe were just a couple hours), and this certainly wouldn't qualify for "Extreme Circumstances", there's no way I could get out of paying this.
I understand that CG is like this now, but switch the example to say, Yachtsman. A low demand signature that now falls under this policy. The result is the same and I now have to pay either for an entree that will go to waste, or $10pp to skip it, since I'm canceling less than one day out. The fact that before, I could work around one meal (or just a couple over the whole trip) makes it a bit less to worry about, now, if I have sigs every night, and 3 or 4 character meals thrown in, it makes it MUCH more difficult to do that. Pretty much spot on with what Tricia was saying.
And this appetite thing has happened to me in the past, it's why I didn't enjoy Hacienda as much last year, and why I skipped Citrico's this year (that, and I fell asleep at 3 for a 1hr nap, and woke up at 6!). Sometimes, I'll have full intention on eating somewhere, get there, open the menu, and then realize that I'm not at all hungry. It's rare, but it does happen, and it's entirely unpredictable (for me).
Unless the policy is a lot more forgiving than I'm guessing, looks like the days of my 4-5 Sigs per trip is over, along with a character meal or two. Which means that I can now save an additional ~$35 per night, since I won't need deluxe. Which means I can save even more (potentially), by forgoing the dining plan. This then means I can try the non-Disney restaurants (Il Mulino, Shula's, etc). Looks like this could turn into a win for me

. Heck, with no dining plan, I don't even have to stay on site! I can rent a small house for what I pay to stay in a moderate.
Of course, a lot of this is theoretical and extrapolating. You all know I do that a lot

.
And all that, and this is still not going to stop the ADR hoarders. It may slow them down, but the fact that several of us have already figured out the work around (and tested it to some extent), means that others, who are actively thinking of ways to hoard the ADRs will have also done the same. This is only going to hurt those who follow the system and have something come up, it's not going to hurt those who secure 14 different ADRs for each day of the trip.