AGREED! Same for us ... another reason we tell ourselves, "Sell the larger contracts ... keep the 25-pointer."In fact, as we eye retirement, the rising costs of dues have now become a major item for us to consider for our budget. They aren't unsubstantial costs.
My only issue with either putting my daughter(s) on the deed or willing it to one (or both) of them when I die is that they are then stuck with the rising MFs every year. Financially, especially for the youngest who is in college, I don't know that she would quite understand what that would entail even though she loves Disney. So, I see our main option as either outliving the contract or dumping it when the fees get too high.
That is an option, certainly, and she might wish to do so. By the time we're ready to give them up, though, she might not want to. For now, we've no plans to sell. However, like others have noted, there has been a declining quality to the overall experience in the parks. Whereas Disney used to set the standard, now they're content to point to "industry standard" as a goal all too often. We still do the parks, but much less than we did 10, even 5 years ago. We still enjoy hanging out at resorts and getting that "feel" of Disney; however, with their choice to become more homogenized and less thematic, even that source of enjoyment slowly is fading. As a poster above stated, SW is not terribly Disney to me, and I like SW just fine. The next most obvious foray for attractions is deeper into the MCU. Just like with SW, I like Marvel, but not to the exclusion of actual wonderment and imagination which is what used to set Disney apart. Imagination and whimsy vs role-playing is how I see it. Perhaps, Disney will get the same loyalty from that latter audience as they did with those of us original "Mouseketeers." I wouldn't count on it, though.You could always explain what the cost are and then she could decide to just rent the points out to cover the MF's until she can afford to go to Disney. Renting out the points would easily cover MF's and have a little extra income.