Don't take it personally. It's just other people's opinions which are mostly generalizations. I shop in Walmart and I am a DVC owner. There are many things that actually are wrong with me, but not those 2 things
There is nothing wrong with visiting WDW on a budget and if you want to save a lot of money following the plan laid out by
@Goofyernmost is a pretty good way to do it. There is also nothing wrong with spending more money to stay on property, eat on property and buy souvenirs. It's all personal preference. I look at it like people are laying out their opinions on how they visit, not telling you that their way is the only right way. For those who insist that their way is the only way, just ignore them.
The Walmart analogy is not really about shopping at Walmart. The Walmart business model was to move into an area and offer lower priced, but more generic goods than the local businesses they were bankrupting. In the case of WDW some people feel the park was Walmarted because they lessened the services at the resorts and turned places like Main Street into a giant gift shop selling generic Disney merchandise. It has nothing to do with saving money though. Everything at WDW costs more now than it did in the past so the low cost aspect of Walmart has not translated to WDW.