I don't think that I was aware of the credit card guarantee being expanded to all TS restaurant ADRs. Several restaurants had them last fall when we were there.
It should be noted that I am not completely against the idea of having to give your credit card when making these reservations because it will stop peopl4e from making superfluous reservations and then simply not using them. It should, therefore, make it a bit easier for people who actually intend to keep their reservations to obtain them.
I think that it is not for all but for most TS restaurants now, at least all character experiences and at least good number more.
I understand your idea about the credit card guarantee for keeping people from making reservations that they do not intend to use; but I think that there are now a few problems:
1. The company has marketed the reservation system (and now FP+) as to seem to make it like you are expected to plan out and make reservations for your whole vacation months before you leave, to the point that many people almost feel like they have to... which itself perpetuates the problem of availability.
2. Once you have done that, it is hard to allow in time for changing your mind and being spontaneous, without feeling you might not have a decent place to eat if it is not planned; and now, with widespread credit card guarantees for TS, you are likely to be penalized if you change your mind once onsight from what you planned two months before leaving. And you have to let them know by the day before (not sure the exact timeframe, but it is not the day of). So, you cannot have any spontaneity on the day of your reservation if it affects your reservation (unless you can afford the penalty).
3. The property is so large that a newbie (or even some veterans) may not have enough time to get to their ADR on time in another park if they have to now wait for return time for Anna and Elsa (or BoG), as opposed to just waiting in line if they choose.
Again, my main point is that the amount of planning now expected for a $100-day theme park that used to pride itself in customer service and taking you away from the real world has gotten rediculous.
As for the ADR part, it made more sense (especially with the size of the property and allowing for spontaneity) when they were not called reservations but were treated as "priority seating"... The Priority Seating system seemed to work more like the orginal FastPass, in that it guaranteed you a good spot on the wait list, but not an actual reservation. You were "on the list" at check-in, and sat down to wait. And no credit card required. If you did not show, the inside line went faster.
Anyway, I just think a few good ideas (FastPass, Priority Seating reservations) have been taken too far by some MBAs or corporate lifestylers, and have passed the point of no longer helping the experience but actually hindering it.
Again, for a $100-per-day experience that not too long ago was about $70 a day with a lot less hassle and lot more flexible.