What a mess.
I've been lucky so far - no charges for me yet.
Honestly, I've only ever viewed my almost-30 years of AP as dollars and cents: I get an AP because I visit often enough that it's more cost effective than tickets. Any discounts, offers, etc. are nice bonuses, but have nothing to do with my decision to get an AP. And I've never viewed the AP program as any kind of loyalty program, unlike the old Magic Kingdom Club, which was a real loyalty program apart from APs. So I'm neither happy nor unhappy: an AP still seems to make the most financial sense for me, so I'm good for now.
That said, I completely understand why so many feel otherwise. Disney really marketed APs as a loyalty program and now it's biting them in the rear. I've had weird issues with monthly payments for other parks' APs in the past, so this one isn't a big shock to me, but the difference is the COST of this mistake, simply because WDW APs are a lot more expensive than others. The radio silence from WDW on Aps while every other ting rolls out and parks are about to reopen is just really bad PR. Even though I'm not personally impacted by most of this, I get it and feel for the many who are impacted.