To me the guilty person here is the one PAYING the money

Since when is their time more important than mine? Guess what we all have the same number of hours in a day. The tour guide has every right to earn a living, but price gouging and promoting it as “special “ privilege they can sell. That is wrong.
Unless the “handicapped” person is purchasing a new ticket each time Disney will be monitoring their usage. If Disney finds they are “abusing” their annual pass it can be revoked.
Like I said, we found it generally took longer to use the handicapped entrance for rides.