I think the words rich, wealthy, comfortable and living week to week with no extra money to be spent no matter how good the experience might be or how long it has been traditional to go is average. Yes, you are hard working, that I don't doubt but unless you are making above average income, more then you need to pay for basics, then you really can't speak for most people. Income doesn't necessarily connect with hard work. It is where the hard work is happening in many cases.
There are so many aspects to why some, like myself, cannot go at this point. Some is money, some is what we define as fun and enjoyable. My idea of fun and enjoyment is not having to get approval for every thing I want to do and when they want me to do it. I don't want to have to decide weeks before exactly what day in, let's say February, I want to go to MK or Epcot, DHS or DAK. I don't want to have to keep my nose stuck either in my phone or looking at the back of someone's head just to watch a couple of, at one time impressive, robots move their arms and mouth. I don't want to have to walk from the back of a huge parking lot that I just paid $25 to park in. I don't want to have to plan and organize more for a relaxing vacation then I had to do when I was working. That is not my idea of something that justifies my spending down on my retirement account to see or do. Yes, the cost is the very first sting and is like having constant stings through the stay, it is what I am getting for the money that once was much more affordable. Small World is basically the same now than it was 39 years ago when I first saw it for less than $20 per day, no additional fees and I could eat where the mood struck me when I was hungry, not weeks before or when the magic makers told me I could be squeezed in to the place.
You need to consider yourself fortunate that you can still afford to go, but don't kid yourself by deciding that you are just the average family. You are able to spend money, with no fear because you are in that position, but there are many, many people that would like to be financially able, without massive debt, to go there. Just because the parks are crowded doesn't mean that the majority of folks have the resources to be there or are willing to jump through so many hoops, for a constantly decreasing amount of fantasy.