I don't have this kind of account but I have been following along with y'all. I am glad they got their ish together!! I wonder how much damage this has done to a product that I think most people are hesitant to buy in the first place (like me). I think like some have said previously that I will just stick to my bank's short term savings accounts. A couple $20 gift cards are not worth the hassle and stress that I have seen the last few weeks.
If you want to do it, I wouldn't let the hassle and stress depicted on the internet deter you. I've used the system, well, for the last two trips. No problems. If you think about it, Disney handled this exactly the way I'd want them to.
They identified a flaw, pointed out by some users losing gift cards here and there. (good)
They took the system down to work on it. (good)
They sent out several emails about the work so ppl are not in the dark. (good)
They did probably a massive overhaul in about a week (good)
The brought it back online and notified everyone again (good)
They comped back anyone who lost any money (good)
I work in IT, so I know that coding anything takes a long time if you're doing it from scratch, and much longer if you're trying to detangle a problem.
So in the end, nobody lost anything, no trips were cancelled, and Disney stood by their product. What more could you ask for? They probly ate some loss on this, but took care of the customer. Some customers got impatient and withdrew their money and Disney even honored those.
The initial problem could happen to any company. Target and many other stores and credit card companies have all been victim of computer flaws, hacking, etc. Disney handled this well in my opinion. If nothing else I'd think it would reassure you that if there was a problem in the future you'd be in good hands. I certainly won't stop using it. The benefits make it worth it: Easy place to accumulate gift cards. Easy way to apply a balance to your trip, in such a way that if your trip is refunded it all goes to one place for you to reapply later. And 2% for having your money there a very short time. If you play the timing right it's a win-win... convenient and profitable too. I do not walk away from this feeling like I might lose my money or that it's a bad place to save.