I agree with this completely. The only reason I make a reservation is because I'm afraid without them - I won't be able to eat!
Instead of taking a credit card 3 months in advance, I think MOST restaurants should NOT take reservations. I think the character meals would still need them - but the rest, I think, should take just walk-ups, or people should stop at Guest Relations on the way into a park and make reservations the day of. It allows for spontenaiety, and prevents double bookings, and I don't have to worry that my schedule won't allow for what I'm booking 3 months in advance.
While we're making a wish list - can I also say I wish that as long as we DO need to make ADRs - can Disney NOT release park hours AND open dining booking at the same time? Release park hours 4 months in advance, and let us make the stinking dining 3 months in advance!