I certainly hope this is not the criteria that Disney employs for adding amenities to their resorts. The resorts with a bigger risk factor provides more amenities to their guests? I don't think so.As far as the All star resort having a lifeguard - hey do you have any ideals how many lawyers that WDW has - this is just a good policy - there are several families with very small children who are constantly at this resort. In some cases the small children are at the pool and I don't see a parent anywhere near - now they may be on their way - but at the time the child is at the pool - they aren't. This was very upsetting to me when I stayed at a All Star (which are really cute resorts).
I must also add I have seen plenty of parents send their children down to the pool w/o them or have left their children at the pool unattended at DVC resorts plenty of times! It is not just the value resorts.