I don't know how you can be more in control than the what the Magic Bands are. You get a receipt for every transaction. You can stop at the front desk at anytime to see the transactions. If you lose your magic band, nobody will know the pin number. Let's say you spend cash for everything. You have the ability to lose the cash, have a pickpocket take the cash. Carrying cash means carrying a billfold or purse around everywhere including pool and water park. Those things get stolen, lost or misplaced a lot. Or let's say you charge everything to your credit card all over the parks and resorts. You have to take the CC out everywhere you buy it. Most times you also have to take out identification. You could lose either at any time. There is also the possibility (albeit slim) that your card could be compromised at each and every location where you use it. With the bands, I have my CC swiped one time by one person. This means added security because if it is compromised, there is only one place for the authorities to look. To me, after using them, the Magic Band not only helps with hotel room doors, scanning for rides and park entry, and the FP+, but it ultimately is a very big part of my financial security plan.
I cannot lose my wallet unless someone gets in the safe in my room. I cannot lose my CC because it is in that wallet from the time I get to DW till the time I leave. The Resort employees that check me in and the room staff are the only ones that could possibly do me any financial harm and that would be easy to trace. I am not rich by any means and all my trips have budget's that are followed (except for that darn Avocado margy at the ditch, and the next one, and the next one).
. At the end of each day, I don't have to think about how much cash I spent and how much I put on my charge card, I just get a printout of it all right in one place. I then decide if I went over budget or not and adjust the next day. So easy. So secure.