single mom here so a
Disney cruise is a real luxury for me. I'm only CC gold because I took 5 cruises prior to 2005 with my ex - we did both eastern and western for about $1299 for both of of us, we did another eastern after 9/11 and it was even cheaper - maybe $999 or something with a certificate for a $99 per person hurricane season 3 night cruise so that is 3 and 4 and then we did the 2nd panama canal cruise on the return side which was, if I recall, about the same price for 2 in a verandah cabin for a 14 night cruise as I am paying now for 2 in a verandah cabin on a 7 night cruise (with rebooking discount off of a 4 night dream I took with my parents/son in 2018 so I did get the OBC).
The kid has been told that this is a special thing and not to expect a repeat. There are so many wonderful places to see and visit. I am proud of myself for being able to save up for and pay for this for my son but it's not something that the average family can do on a regular basis. People who CAN do it on a regular basis area above average financially, and don't need that $200 OBC - yes it would be nice to have it but realistically if you are only $200 away from not being able to afford a cruise then you are too close to the financial edge and should cut back on luxuries.
You may not like how it feels and choose not to cruise DCL again but Disney knows this isn't going to price anyone out who is devoted.