I take mostly travellers cheques and some cash, have never had any problems with TC's at Disney (or Universal, Sea World or Malls) just sign one when paying for food, souvenirs etc and they give me change, real easy.
I prefer to use cash where I can. I put my money into the checking account before a trip and hit the ATM a couple of times on a trip. It can be easy to overspend when just charging things to a room and get a huge shock at the end of a trip. If real money is changing hands that keeps my impulse buying in check.
We used to carry AAA travelers checks but they quit selling them and we tried the bank and they only carried certain denominations and so we just stopped using that form of money. We carrry cash now. We do carry a credit card but it is for an emergency only (like a new tire, etc.) Everything is paid for in cash. Some we stash in the car, the rest we carry. Never had a problem.
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