It would be cool if you could get a text message for the charge amount(if it was over some set limit), location, and possibly itemized bill(since disney does control every system after all), and respond yes or no to allow or deny the transaction.
That's not really a Disney-type move since a) it would slow lines down as kids wait for approval and b) would result in a lot of unhappy kids whenever a charge is denied.
There are a few non-Disney services in Disney. Not many though. Stuff like Starbucks are not directly tied to Disney.
Which of course Apple already does for in-app purchases in iOS family accounts...