aprilinjosh will never be accused of being empathetic.
Not everyone can afford to stay at a monorail resort. Some people struggle to afford the value resorts, or to afford staying on-property at all.
Regardless, one of the "perks" of staying on-site--one of those selling points that every travel agent reminds you and every Disney site trumpets--is all that wonderful on-site transportation. So technically, they ARE "paying for it," and they AREN'T getting what they pay for. Therefore, even snide asinine comments along the lines of "save up until you can afford a better resort" come off as ill-informed as the 4 year old that assumes the bank is the "money store," and if daddy says he can't afford to get you that new bank, then why doesn't he go to the bank and get some? The convenience of transportation is supposedly factored into the cost of staying on-site, and if it's not, then Disney should stop printing it in their brochures.
Quite frankly, you seem to enjoy being a d-nozzle, and I'd hate to interrupt what little fun you might have in your life, picking on people because you might be better-off than they are. Enjoy yourself. Don't forget to stop and smell the roses, or laugh at a quadripelegic whose wheelchair has a dead battery. Seems to be your style.