And remember you can make fewer points go further with banking and borrowing, to come every other year, for example. A trip multiple times a year works for someone driving distance, but many other people find a trip every 2-3 years is easier to manage with fees for parking at the airport, flights, dog sitters, park tickets and all the other expenses that add up too

You can still go a Little crazy with Disney without bankrupting yourself. While Addonitis is real, so are pricey Disney souvenirs, but neither is "required" to fully enjoy Disney on a reasonable Budget lol.