Disney historically has done poorly in attracting affluent travelers. In recent years, they've focused heavily on the segment with some success, but the bread & butter of its core domestic traveler is still the working class. Reality is, there's far more people at WDW who are overindulging than there are affluent, luxury travelers. I've spent my working career in finance, and most of my co-workers - who could more "easily" digest the cost of a WDW vacation that the typical visitor - feel that one vacation to WDW is enough for their kids (and many others wouldn't even go). And they aren't overindulging.
Reality is, people who are good at managing their money aren't going to fill their week with dinners at the Hoop-Dee-Doo, Polynesian Luau, Ohana, Chief Mickey's, Cape May Cafe, Boma and Crystal Palace - instead, they'll eat at one or two of those options, and fill the rest of their week with lower-cost options, including off-site. But for Disney's core repeat guests, that's not magical enough! Ultimately, people need to put WDW into perspective: it's a one-week (+/-) vacation. Yes, it's a good time, but you certainly don't need to overindulge to have a good time. And if you aren't financially fit to begin with, you shouldn't be going -- if the several thousand dollars you'll be spending would be better invested elsewhere in your life, don't go, and plan a low-cost trip elsewhere.