Guests without access to FP+ have no recourse but to "live with it".
Or to not live with it (skip WDW). Or to stay onsite.
I have seen speculation elsewhere that WDW wants to favor onsite guests because the onsite guests spend more at WDW. I would guess it's true that onsite guests spend more at WDW, for two reasons. First, because onsiters were willing to pay WDW's higher rates for smaller rooms, which indicates that either they aren't money sensitive, or they're willing to pay considerably more for the Disney label. Second, because onsiters without their own car are stuck in the Disney bubble and don't have the option to go elsewhere for food or whatever. Disney's onsite transportation isn't there for the guests' benefit so much as it is for Disney's -- I expect some people onsite figure that offsite prices aren't much better, since prices in touristy areas often are elevated, and they budget for "Disney reality" instead of "Orlando reality." Which goes back to the onsiters aren't as price sensitive as offsiters thing.
My problem with the whole "FP+ is to encourage more people to stay onsite at WDW" is also twofold. First, if more current offsiters shift to onsite, I'm not convinced their spending habits would change that much. If we stayed onsite, Disney would get more money from us for the resorts, but we'd still have a car and we'd still spend a fair percentage offsite. The resort money would come out of our "Disney extras" money -- we'd get fewer pins, eat at fewer WDW restaurants, etc. But second, I keep hearing that WDW resorts are pretty near capacity anyhow; AoA certainly kicked up capacity a good bit, but the various DVC resorts they're working on likely won't.
Although maybe that's the Sekrit Plan -- not just that they privilege onsiters, but that they privilege Deluxe and DVC over Value as well.
OTOH, the Sekrit Plan could be to limit
everyone's access to Fastpasses for some of the most popular rides, so people who know best how to work the system (locals and APs, but also those who do their research) don't have such a big "advantage" over the average Disney-goer. Locals with APs certainly don't spend as much per hour in the park as someone from out of town staying onsite with a DDP, so keeping those from out of town happy is probably higher on Disney's priority list.
If someone new complains to a CM that all the FPs are gone and they're having a terrible time, and the CM can sit down with them and help them make FP reservations for the rest of their trip, that could make a big difference in that person's customer satisfaction. Disney could keep a small percentage of the FPs for some of the most popular rides back for just such an occasion, that only the CMs onsite could get hold of, then release them the morning of each day or something, meaning people "in the know" would have a chance at them, too, so it might be a win-win situation for both the people who're miserable now (those who don't plan properly),
and for the people who pride themselves on knowing how to work the system.
So FP+ could go either way, IMHO. Could end up benefitting most; could end up just benefiting those willing to pay the price. Whups, three ways -- could be just a mess.

Reading comments by CMs some places, I'm not sure
Disney knows yet how FP+ will look when it's finally finished.

Mind you, our next trip won't be until 2015, so I have the luxury of waiting to see how it all works out.
