Not the same technology at all. A key card that you swipe or insert into a door is not something a hack could clone simply be walking up close to you. A magic band doesn't need to be inserted into anything you simply need the hacking tools and someone to walk close to the target... All a team would need to do is have two guys stay in a Disney resort and in the morning one of them watches some people leaving the rooms to get on a bus, make a not of the rooms they left and then get on the bus with them... pass by each one for a couple of seconds to get the magicband RIF number and use their cell phone to send the info back to their partner... Now go watch to make sure they really enter the park as expected and at that point let the partner know they are in and then he could easily go rob all the rooms they watched. This is much easier than it would be to do on a cruise ship since a person a ship might return at anytime to their room, a person that has entered a Disney park is more than likely going to be out of the room for a long time.
Now the pins are bit different, it would require a person to clone the RIF number then go try to buy something cheap and guess the pin... if it doesn't work just pay with cash and move one. Give that people often used simply pins like a single number repeated 4 times... 1111 is used by a little more than 6% of people picking 4 digit pins so simply cloning 20 different phones and buying 20 soft drinks would give you pretty high probability of having one of the people with a 1111 pin, and once you get one you could then go buy some expensive things.... In fact if you wanted to maximize your return as a thief you would go follow people that got off a monorail from the resort since the monorail resorts have higher charge limits on their magicbands... There have been articles in cyber security sites that have gone through lots of issues with the magic bands with some hacker doing proof of concept runs to show that it is possible. You can also easily find charts that will give you the top pins used, the top 20 of which cover more than 25% of the pins used. Many people are simply too predictable, 2580 is another popular pin since its just the numbers straight down the keypad...
As for spreading fear, talking about potential problems with a system isn't spreading fear as much as it is letting people know not to do things that could bite them... like picking a pin number that is easy to guess.