I tried to read through all the posts, but I may have missed this. Resale buyers do NOT get the generous financing that Disney direct buyers do. We are required to have $10,000-$20,000 in cash all at once. (Yes, some may choose to get their own loan, but at a higher interest rate than Disney offers.)
Point is, how many people can really buy, with cash in hand, a 160 point resale contract at AKV? That's $13,000 roughly. OR...they can finance $22,000 for those same points for up to 10 years. So, unless you have $13,000 in cash, your best bet is to finance with Disney for 10 years. Much more affordable. So, let's not pretend that buying resale is this golden piece of cake. You have to have tens of thousands of dollars available, right now.
I totally see your point about the unspoken requirement for purchasing resale. However, I will disagree with your numbers a little. I think it is very likely that you can get a 160 point AKV contract for $60 pp for a total of about $10,000. There are also many 100 point contracts available that can be had for around $6,500. So while your point is valid, I think you may have exaggerated a bit. Plus, you are glancing over a very important fact...namely that you are paying $22,000 for almost the exact same thing that can be bought elsewhere for less than half the price. I don't know of anything in this world that I would want to have so badly that I would pay twice as much for just so I could finance it. Think about it, if you test drove a car and the dealer said "Cash price $25,000 or if you want a car loan it is $50,000 plus interest" would you buy that car? I wouldn't, I'd be looking for an alternate for of transportation at that point.
And this isn't even the best comparison because a car is a necessity and a timeshare certainly isn't. A lot of intelligent and experienced posters on here would suggest that a timeshare is a luxury purchase and therefore should not be financed. I agree with this to a point. There are a lot of things that I would love to have...a boat, a ski house in Vermont, a wicked sports car, etc. etc. But they are all "wants" and not "needs". So unless I feel like paying cash for them, I'm not going to have them.
But there are others who disagree, and I see their point of view as well. DVC is a wonderful way to travel to the World and some people feel excluded because they don't have the lump sum to pay for it. These people typically finance knowing that it is going to cost them more, but happy for the experiences that DVC allows them to have. Although I have a problem with the numbers aspect to that approach, there's also a very proven theory that you can't take your money with you when you die, so why not enjoy it? Two very different perspectives.
Back to your point, I do disagree with your characterization that Disney's financing is "generous". Given today's interest environment, the rates are actually outrageous. Banks are offering less than 1% interest on savings account. DVD is charging up to 13.99% on financing for DVC purchases. That's too big of a gap in my opinion.
Aside from that, there are many ways to secure a personal loan for rates that are much less. If you own your home (or at least a portion of it) then home equity lines can be had for as low as 3%. Another option would be to secure timeshare financing for a resale purchase. This combines the best of both worlds...low resale prices and the ability to finance. The Timeshare Store works with a lender that charges 12.9%. Yes, it's high, but it's lower than Disney financing and you are financing a lower amount.
But going back to your original point, I do agree that the majority of the voices in this conversation are those with the money sitting around to buy resale contracts for cash. But I also think that we are respectful and open to people who are not in the same position. I hope we are anyway.