I was too but I emailed both
Dreams Unlimited (who is handling my arrangements) and Disney. Both said they are deposited into a direct account and can be used as you like, and spoke directly to using DD wishes for myself & DH. I'm keeping a copy of the email to take with me in case there are any problems.
Here is a copy of the email from DU...I printed the one from Disney and deleted it!!
If you want to go with the Silver Plan, you need
> to
> > add it for everyone in
> > your party. However, once you receive the wishes,
> > you may use them however
> > you like. In other words, you and your husband
> > could use your daughter's
> > wishes. A good way to make good use of the wishes
> > is to pay cash for all of
> > Samantha's meals (since they will be relatively
> > cheap - kids meals run
> > anywhere from $5-10), and save the wishes for
> things
> > like Cirque du Soleil,
> > or pricier restaurants.