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I think you're making unfair generalizations. I spent $6700 in 2010 for 100 points. Compared to rack rates, I paid that off in under three trips. I now get a studio annually for around 6 nights for my annual dues of about $800. That's far less than a comparable Disney hotel room, before you even factor in discounts, cheaper AP option, etc. Not all DVC owners broke the bank to become members.

[QUOTE="TeriofTerror, post: 10814534, member: 65243"] I think you're making unfair generalizations. I spent $6700 in 2010 for 100 points. Compared to rack rates, I paid that off in under three trips. I now get a studio annually for around 6 nights for my annual dues of about $800. That's far less than a comparable Disney hotel room, before you even factor in discounts, cheaper AP option, etc. Not all DVC owners broke the bank to become members. [/QUOTE]