Disney is worth the money for people who's vacation time is worth more to them. Not, again, to be snobby, but our two European cruises were filled with fairly well off people: Doctors, lawyers, bankers, company presidents, self-employed business people. People like that don't want annoyances or hassles and are willing to pay a few thousand bucks more for top notch everything.
One fellow I met owned his own business in LA. While onboard, two of his key employees resigned. "Oh well," he said, "back to ground zero on Monday." A man like that does not pinch vacation pennies. He also brought along his wife, best friend, and a few of the grandkids, and I never heard a foul word out of him. He Liked a few beers in the evening (who doesn't?), but getting drunk and stupid was not his vacation operandi.
Bottom line, for strong 6 figure income families, Disney is well worth it. A magical memory filling vacation, not a get me outta here break from the daily grind on the cheap. Time was far more valuable than the savings of a 2nd rate vacation.