"Free Dining" is just akin to moving money around unless you dive into the details and check how those details work out or you. Car dealers do this kind of stuff all the time, and not just with interest rates, either. Walt is no dummy. Bait and switch is the more extreme phrase, but it's pretty darn similar if you think about it. If you work the numbers and you come out ahead, then by all means, hurrah! But just thinking you got free food is not 100% accurate, at ALL.
Paying for the dining plan is basically just averaging out your per meal food costs. Sometimes, you could pay more for that meal with the DP, and sometimes you could pay less for that meal. But, no matter what, you're paying for that meal. If you don't pay attention, and you wind up overpaying for that meal, you've lost money, because you prepaid the cost of that meal, and you are not getting a refund. If you don't use the credits, you've lost money. You will not be refunded. If you make a mad dash to use up credits on snacks the last day of your trip, unless you dearly want those snacks, and can't them anywhere else, you've lost money. The markup is pretty big. If you throw food away, you've lost money. You've already paid for the food you are throwing away.
I am not against the dining plans. I wish I could get them to work for our family, I really do. If we went with extended family, we'd probably have a better chance by getting two rooms and splitting meals. We just can't eat the amount of food on the DP's, and we are pretty big eaters. They just don't fit how we eat, and I'm ok with that. I also don't "judge" but I don't understand the whole "don't like to pay attention to the bill" thought. You can lose money if you don't pay attention to what you order, you might prepay x for a meal, but when you order, that meal might cost x - $4.00. Of course, it might cost x + $5.00 too. Does that ever cross your mind? Or is it still just better to prepay, and then not worry about it at ALL? I'm truly not being snarky. I have some thought processes that don't make sense to some other people as well. I'm pretty sure we all do. BTW - so far, this has been a pretty "civil" discussion on the DP values. The previous threads I've seen fly off the rails. There is no "one size fits all" with these, The DP's work for some, but not for others, and some ppl will definitely lose money on a dp, and some will come out ahead.