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.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.