'wealth' is all relative, $100k in a good portion of the US is high level earnings, in some City's a household income of $100k is 'low income'.
We personally go to WDW once a year or so, we live on the West Coast so its a big operation getting a family of 5 over there and doesn't come cheap either. However, as some have said it is all about opportunity, sacrifice and having the means. We don't drink, smoke, gamble or have high cost hobbies or interests. Instead of having lots of smaller vacations with family throughout the year that mount up, we choose to have fun staycations and focus on 1 or 2 bigger events such as Disney. We are in a position that we can afford to do this and choose to stay where we like, however, that doesn't mean we are frivolous. We usually tie it in with some great TA rates and to be honest, the price we pay is not that much different than rack and discounted rates at moderates!
I remember being there one year at the Poly having done a split stay between there and Port Orleans French Quarter to offset the cost, and saying to myself that I wished I had made the decision to stay the whole time at the Poly. All in all it would've been $750-1000 more overall, which is not an insignificant amount of money, but I just remember that feeling of 'I wish' when looking at my family playing in the pool and running around the grounds, that feeling of joy and contentment with my family and life.... I guess money can buy you some things! lol... Since that point, we do what we can to make it work to stay there full time. In addition, we also go for 10- 14 days instead of our previous norm of 5-6 days so we can spread out our enjoyment and actually enjoy the ride without feeling rushed and having to squeeze it all in. We feel this has really enhanced the experience for our family and allows us to make the most of our hotel resort too.
I both understand and appreciate that a lot of people simply cannot afford to stay at Deluxe resorts and Villas in general, but this is what works for us and we work hard to achieve it. This year I convinced my wife to stay off site for 1 week as they didn't have the rates we wanted for the first week. I've done offsite a few times with work and i've enjoyed it, it isn't the same on many levels, but offers lots of advantages. So we will be offsite for a week while we visit family and hit up
Lego Land then a week at the Poly and Contemporary!
I have found all the hotels we have stayed at to be great, obviously some have more perks than others but at the end of the day it is still a stones throw away from Disney and a really special place for you and your family.