So, couldn't Disney design a point-based system to be more flexible, keep everyone happy, and still provide the margin they want? They could require you to purchase a minimum amount of points, with one point required for quick service, 2 points for table service, and 4 points for signature.
Let's flesh this is out a bit more. What's your price per point? What's included in the meal? What about kids? Are you going to charge a different price for kids? What about snacks? I hear over and over that snacks are one of the most important parts of the plan, because they don't have to say "NO" when the kids want an ice cream. Are you going to throw in the refillable mug just for buying the plan? I'd love to hear your thoughts, but I'll start with mine.
I'll start with all meals include an entree, dessert and a non-alcoholic drink. $15/p makes it pretty valuable to me, but Disney would be losing money. $18/p puts the QS and regular TS meal in the ball park of current DDP values, but spending $72 at a signature would be harder. So at $18 consumer might save a little on QS and TS, but loses on signature. Disney could probably live with this price point, but $18 is a strange number and they're probably still losing a little too much. If you put it to the rounded $20/p, signature dining would be off the table for most users, but character meals would still be a great value, QS could be maximized, but is more of a loser, any a la carte TS could also be maximized. At $20, users will need to do some planning to save a little, and since the majority of users probably won't do that, Disney will make money. So would you pay $20 per point for your plan??
The only way I see a point plan working is if you don't tie it to the number of nights and people in the room. Staying onsite could still be required, but I don't see a way to do an adult point system and a kid system. You buy points for the adults and the pay OOP for kids unless kids meals just go away and everyone pays the same, which is ridiculous. That takes the pre-paid, convenience factor out of the equation, though. However, the flexibility of buying the points you want might out weigh that. For DISers and others in the know, they could really maximize such a plan and just buy the points for the meals they know they will save.
As for snacks, at $20/p I'm thinking users could get 4 snacks per point, but since you can't divide a point, you'd have to get them all at the same time at the same place. That wouldn't work for my family as we all like different things, but it might for some.
So what do you think? Still want to go to a point plan? How would you flesh it out?