Here’s the deal. Rider Swap is a service provided to families/groups that have riders too young or too little or too afraid or just not interested to ride certain rides. If you approach a ride where none of you have FPP for that ride, you would request a Rider Swap for the person/people that will wait with the non-rider. You would then stand in the standby line, and when you’re done with the ride, the other person/people can go in the FPP line to ride the ride. Using the same scenario, if you approach the ride already having a FPP for that ride, then you would do the same exact thing, but instead of standing in the standby line, you would go in the FPP line. Once you get off the ride, the other person/people will enter the FPP line to get on the ride. So no you do not need a FPP for every person to use Rider Swap. If you want to use FPP for a certain ride, only the first person/people riding the ride need to have a FPP for that ride. The second rider/riders will just use the Rider Swap service to enter the FPP line once you have returned from the ride. People make it seem more complicated than what it really is, and I’ve never been given grief by any of the cast members. Half the time the cast members don’t really care. I can’t tell you the number of times I’ve witnessed people going into the FPP lines for rides and pretending to scan their MagicBands without being noticed or pointed out by a cast member.