These are how people are paying for those $500/night rooms who don't have a lot of money to begin with and are vacationing at WDW.
There is no "saving" or "putting aside" or "vacation funding" for anyone who is middle-lower class (can we get a new name for this? I really hate the term "poor", even if it's so suiting for a great deal of us) and people are doing what they can to live, and trying to "live a little" with a vacation. Sad fact, but true. Unfortunately there is an all-American mindset of keeping up with the Joneses and making sure their young children get to WDW every year because they want their kids to have a happy childhood, nevermind Mom and Dad never being home because they're always at work and there's a lot of stress and tension in the household because of bills and lack of money. People want the best for their kids. It's become ingrained and beaten into our heads that above all else, the kids have to have everything they want. Including vacations, money and affording it be damned.
Sometimes it's very hard to read this forums and see the same groups of people going to WDW -who don't live in Florida- every couple of months, several times a year. What kind of jobs do you guys have where you can afford this? Or, as I suspect in several cases, what kind of job does your husband have?
And of course, this is all IMHO. But FWIW, that's my take on your statement,
@WDW1974