Yeah, there are just a ton of things about the scammer's story that make no sense and make me 99% certain she was a scammer:
1) If you are staying on property and provided a credit card or debit card when you checked in, then you have a $1500 limit to charge stuff to your room. She could've gotten a replacement key from the front desk and used that to buy any food she needed.
Even if she didn't put a card on file, she probably could've worked something out with the front desk staff. I'm sure this kind of thing happens at WDW all the time. Disney World has 30,000+ on site hotel rooms...i'm sure something like this happens several times a day. There is almost certainly a policy that will enable someone to get access to the basics.
2) The whole point of travelers checks is that they replace them when they are lost/stolen. And quickly. That is the service you pay for when you buy them. American Express would've overnighted replacement traveler's checks. I wouldn't be surprised if she could've gone some place on property to get them replaced without having to wait for overnight shipping...since Disney World is one of the biggest travel destinations in the world.
3) Credit card companies will overnight you a new card if you ask. You sometimes have to pay for it, but if you can't even eat a meal then the nominal fee of probably around $25 is worth it.
4) How does the 19yo daughter, who is auditioning to be a character, afford a
DVC membership? She couldn't have purchased before she was 18. So she couldn't have had the membership for longer than two years tops...so...160 points at $130 (I think at the time) is over $20,000.
5) Where was the daughter? She was there to support her daughter, so where was she? Even if her daughter was busy "auditioning" all day the daughter could've gotten away during a lunch break to slip her mom a $20 or a credit card. Or wait until she got out of the auditions in the evening.
6) There wasn't anyone else who could've sent her money through western union? You don't need ID to pick up cash at western union as long as the sender marks the transaction as such. Just the tracking number.