In many resort destinations, "all inclusive packages" are a matter of convenience, and cost more than paying for a similar experience individually. I've never been able to get the cost of the Disney Dining Plans (which DVCers have to pay for separately) to add up, and always pay out of pocket for meals, using available discounts, like AP and DVC discounts, or the TiW card.
Or Carnival cruises alcoholic drink packages, you need to drink like 5 drinks a day to make it viable. Even their regular beverage package is more than spend on sodas out of pocket. And it is usually cheaper to book private shore excursions than the ones offered by the cruise lines. These are all packages of convenience, for which you likely pay more. Now, I do use the shore excursions, but I know it costs more than hiring one privately, and it is a decision I'm comfortable with.
Disney has never been a cheap vacation. I found an old receipt from 1990 the other day, a one week room only stay in a tower room for 2 adults at the Contemporary was a little over $2,000. That was a LOT in 1990 dollars. That did not include meals or park tickets.