Correct, but with zero verification. That's why these websites are able to exist. If you tie the card down to a specific account you solve the problem of being able to create multiple fake Disney accounts and make reservations on them. They would be forced to commit credit card fraud to keep their website up and running.
Actually, they do validate to some respect. I had the card that is tied to my ADR account on
MDE cancelled because of fraudulent use (it did not expire for a year, so that was not the issue). I went to make ADR's a month or so later and it told me it wasn't a valid card. I didn't even think about which card I had connected, so I had to go through and change the card number.
I completely understand your point on this one and it is a fair method, maybe the fairest of them all! But one word to sum up if this happened: Chaos.
For sure. Utter chaos. I imagine hoards of people flooding the Cali Grill check in desk, people going from resort to resort trying to get into a signature restaurant. Yeah, not going to happen. Chaos over the app is easier than chaos in the lobby and bus system.
The only ADR I have had trouble getting is dining with an imagineer. Which has extremely low availability since it is small group lunches only, and is only offered 3x a week. I do not wake up at 6am, frankly, I forget most of the time and do it days later. Same with FP+. At most, I get off dining times. But I have always gotten in. I go mainly for race weekends which are super busy, and this year went for presidents day, November, and the 4th of July. I have eaten at most signatures (except Citricos and Yachtsman) and have done BOG for lunch, dinner, and breakfast. I can see how larger groups would be an issue. But, I also booked for a party of 8 before. I think in those cases it is just common sense that you need to jump onto it. The same goes for any restaurant around here. I sometimes check back with MDE for a better time. But like some posters here, I just truly have not had a problem.
Also, I am not willing to pay 6 months ahead of time for every single dinner. And I do not think I am alone. Disney is expensive and their whole payment plan set up shows they would rather we book it, then pay it later, to get us there quicker.