I haven't used mobile ordering yet. (Last trip was January 2020, and we had to cancel January 2021.)
But these are my thoughts, FWIW....
We save up cash for meals at Disney. So if we're not paying cash on the spot, we're charging it back to our room and paying THAT amount in cash at the front desk. As long as I can charge to my room, I'm happy to use mobile ordering on my next trip. (January 2022)
But if I have to set it up to an actual card, I won't be using it. Perhaps they'll update it before our trip - we'll see!