It is complicated determining the sources of funding for MS reservations. There are two Disney entites involved with MS and its reservation systems, which are different on paper rather than reality since the employees are the same. One is the Disney Vacation Club Management Co. (DVCMC) which is charged with running each of the resorts. Is also charged with handling all reservations of members reserving their home resort. The other entity is the Buena Vista Trading Co. (BVTC) which is charged with handling all trade outs and included in that are all reservations by members of DVC resorts other than their own.
As to everything involving DVC reservations, there are four sources of funding and, under the documents, they can be the only sources of funding:
1. The DVC Reservation Component which is $1 per member per year and offically goes to BVTC in relation to reservations by members of DVC resorts other than their own.
2. Most of the breakage income (rental income for rooms open 60 days or less out). As to any DVC resort, breakage income goes first to offset annual dues up to 2.5% of the annual budget (excluding certain items like property taxes). The amount that is above that 2.5% goes to BVTC up to a maximum of its annual costs plus 5% of the total of annual costs. Thereafter, all breakage income above that goes to DVCMC.
3. A management fee payable to DVCMC of 12% of the annual budget before that management fee is is included in the budget (again excluding certain items like property taxes). That 12% cannot be changed to a higher (or lower) percentage.
4. Trade outs for non-DVC reservations, which are officially handled by BVTC, can have separate transaction fees that can change (currently $95).
So the answer to your question is no, members are not paying that $1 fee for RCI or Disney Collection reservations. Moreover, the dues you pay that relate to MS operations do not depend on MS's actual costs. I have seen many a time when members on this board caution against members over-using MS (such as to do walking) because it will raise our dues when in reality it won't raise our dues at all because the sources of funding do not depend on how much we use MS.