How is it flawed? You had the same chance/opportunity everyone else had at 90 days out to get that ADR. Why should occupants of a specific resort be afforded better odds of getting a TS at that resort? So the resort withholds 25% of the tables for its own occupants; maybe the occupants book that 25%, maybe not; but if not, then that 25% gets released back into the system only to find out that the people who initially wanted it have moved on to other TS locations? That, too, would be a flawed system.
The only thing that should change from the way it is now is switching back to 180 days. I firmly believe the only reason it ever went to 90 days was to lessen the issues Disney would incur if they ran into trouble while installing the new reservation system. Now that it is up and running, it can, and should, go back to 180. Also, they should hold CC#s for every TS reservation with a 72-hour cancelation policy.
I think people sometimes forget that WDW is the single largest tourist destination in the world -- 50 million visitors a year. All things being equal, for every one of us who gets the ADR of our dreams, there are likely 4 to 5 families out there who didn't. Be grateful.
Could not agree more about the Credit Card. I would have no problem securing my reservations with a Credit Card.