I mean no offense at all, but I believe that you ARE blowing this all out of proportion. Actually, I believe you are seeing something that isn't there. You are thinking that Disney is being discriminatory. (you incorrectly used the word "stereotypical" ... one who discriminates does so based upon group stereotypes, whereas one who is acting in a stereotypical manner is acting in a way consistent with a group stereotype [in this example, a Value resort guest who can't afford more than $500 in expenses]).
Anyway ... here's the point:
Disney has three levels of resorts. Each succeeding higher level of resort has more amenities, more conveniences, that the next lower level. A higher room charge limit is just another example of an added amenity. They are NOT saying, "You peasants in the Value resorts can't afford a higher spending limit, or else you wouldn't have to stay in a Value resort." A higher room charge limit is just another amenity offered to people who are willing to pay more, just like any other amenity at the resorts. If you look at it that way, perhaps you won't be so offended.
There are loads of differences between the 3 levels of resorts beyond the size of the rooms.
For example, bus stops at Value resorts are not covered (if you are waiting in line for the bus, you are exposed to rain and hot sun). Bus stops at Moderate and Deluxe resorts are covered.
Value resorts don't have ceiling fans. Moderate resorts do.
Value resorts have 1 sink. Moderate resorts have 2 (except for CSR).
Value and Moderate resorts have full-size beds (except, of course, for king-bed rooms). Deluxe resorts have queen-size beds.
Value resorts have only a food court. Moderate and Deluxe resorts also have at least one sit-down restaurant (except for POFQ).
Value and Moderate resorts have exterior corridors (you are exposed to the elements). Deluxe resorts have interior corridors (for the most part).
Value and Moderate resorts can order pizza in the room, but nothing else. Deluxe resorts have full room service available, not just pizza.
Value resorts have Luggage Assistance, which must be scheduled, and is not available 24 hours a day. Moderates and Deluxes have on-demand and round-the-clock Bell Services.
Value resort guests must bring their room towels to the pool. Moderate and Deluxe resort guests get unlimited pool towels at their pools so they don't have to carry their room towels to the pool.
Is Disney discriminating against Value guests and assuming that they like being exposed to the weather, that they don't deserve bigger beds or better air flow in their rooms, that they can't afford room service, that they can't afford to tip a Bell Services CM and don't deserve extra towels? OF COURSE NOT!
By offering more amenities and more conveniences at higher levels, DIsney is enticing people to spend more. Disney makes more money of people spend more money.
The room charge limits are just one item in a long list of amenities that "grow" as the level of resort grows. Nothing more, nothing less.
If you want to see class warfare, I guess you'll find it. But Disney is not discriminating regarding perceived incomes and perceived spending abilities. They are simply offering an increased convenience to people who are WILLING to pay for it.