Exactly.
You can tell me about other hotels all you want, but fact is that WDW resort stays are a different animal. Other hotels don't have magic bands where you charge everything - gifts, toiletries, drinks, dinners out - back to your room. It's easy to blow through and beyond $100 a day, and then easy to rack up multiple $100 holds.
I'm very thankful for everyone's information on this thread! We most definitely will be changing up this next trip and paying for dinners, etc. with our credit card rather than Magic Band. We will still use Magic Bands, but will be prudent about it.