The best answer is probably to say that the individual competitor should do whatever feels right to them.
I agree.
Each person knows their own situation. Maybe it was a HUGE accomplishment for them to have started, and they feel incredible about that. Maybe wearing the medal for them doesn't mean "I'm pretending to have finished", but something else. We don't know that from just looking at them.
If I say congratulations to someone who didn't happen to finish, it doesn't hurt me. Maybe if I'm not a runner and I see someone with that medal, maybe it will inspire me to try it and train. How cool would THAT be?
Having finished the WDW Half in an amount of time that I personally was ashamed of for me, knowing the training I put into it, I now feel very differently. I finished it, I got the medal, and I was so sick I couldn't go to any parks to wear it. I was ashamed AND sick, and it has sparked many other feelings in me. Should I even wear it, since I was so far under what I thought I would do? etc etc. After healing up and having many months between then and now, uh, heck yes, I should wear it. I worked hard, I tried hard. If I had been a touch sicker I couldn't have finished. If that dancing lady at the switchback had danced a little harder I would have been hit in the face and knocked out and wouldn't have finished (and that was in sight of epcot). By chance I was able to finish when most of my non-running relatives didn't even think I should start.
Heck, I don't even have ANY medals displayed. I still feel like a poser. So I'm obviously very conflicted.
I would hate to put any rules on anyone but me.
And I also feel VERY strongly that when you're spending as much money as we do on Disney races, we deserve to get everything that money was spent on.
Including the reflective blankets, which I have been told are just handed out willy nilly, but I have never seen handed out (despite needing them because 15 minutes after I stop running I get bone-chillingly cold). Asked for one at the Retreat, and was told they are only for those getting massages. Harumph.