Not sure I misunderstood your point, seems more like you didn't really explain your point and assumed people knew what you were thinking.
First of all, even if your predictions are on the nose, you're projecting 20 years ahead, but even the shortest DVC memberships expire in 2042. Depending on when your use year starts...let's see...need to take my shoes off for counting purposes...that's up to 12 years more than your projections. And even if projecting that far off still doesn't compute as a value for you, bear in mind, many people bought into DVC when it was brand new, and the cost for "new" points was significantly less than what you would pay for "new" points and perhaps even less than what you're paying for resale. Factor in any bonuses Disney added in for signing (for example, I believe the people who initially bought into DVC when it was just Old Key West got something like 5 years worth of annual passes), and yes, people may indeed feel like they got their money's worth early on...
second of all, as has been pointed out, you're technically comparing apples and oranges if you're comparing the rack rate of a DVC room with the rack rate of a moderate resort. Whether or not YOU or anyone else feels the DVC rooms are worth that much more than a moderate doesn't change the fact that WDW charges that much more. If a moderate suits you, then yeah, DVC might not be for you, which means we'll be one more member short in our quest for world domination. Hate when that happens.
Typos aside, I stand by my original assessment of your prior question. It's silly for anyone to talk about what people COULD'VE done with the money they used to buy into DVC - how it could've been better invested or saved - unless that person never spends a dime on an extravagance. As far as I'm concerned, if you've ever eaten at a restaurant, ever paid for an option for a new car (hell, if you bought a car but happen to live in an area where public transportation could suit your needs), if you've ever bought name brand cookies when you could've saved a dime buying the generic brand carried in your particular store, ever bought an outfit you didn't need because you liked it, ever went on vacation, then asking that question makes you look foolish. Maybe your motive for asking the question was purer than you intended, next time, you should be more descriptive.
