From the DVC site.
https://disneyvacationclub.disney.go.com/faq/pre-arrival-checklist/check-in-check-out-times/
What time is Check-In and Check-Out at Disney Vacation Club Resorts?
A.
Check-In is
after 4:00 PM (please notify Member Services if you're planning a late arrival), and Check-Out is by 11:00 AM.
DVC makes money by sales. Disney Food and Beverage makes money on selling things to eat. They are all owned and operated by the Disney company but each divisions works as a small company with a budget and profit goals.
Just like the MK parties for the anniversary, DVD had to rent the MK and pay Disney parks for that.
It might be one Disney experience to the guest but in the board rooms and on paper, they are all separate with separate budgets and different goals.