No, sorry, I disagree. The folks staying off-site are not paying Disney anything for the privilege of staying at one of their hotels. That's the whole difference.
Actually, you said, "What have you been smoking???" You haven't really explained what you mean by that, but it was in response to a point that harumph made that folks who stay at Disney's hotels are paying a lot more money to Disney than folks who stay off-site, so I assumed that you were questioning that assertion. Glad that that's not the case.
While off-site folks have the luxury of not having such a large amount of their vacation budget allocated for hotel expenses, for many on-site guests it is a significant portion. I was chatting with someone this morning who is paying $400 per night for a room at the Polynesian with her husband. That's far more than they'll pay for airfare, admission, even food. It's the single largest expense of their vacation.