200 points times $80 is $16,000. The current value of that expenditure carried forward for forty years is far in excess of that -- probably close to $40,000. So after you've spend $40,000 on rooms at WDW (excluding tax -- Disney doesn't get that, but they DO get the interest on that $16,000), perhaps you can raise your point again.
(Joking here a bit, eh?)
You're still ignoring the principal paid, and the interest on that prinicipal.
I'll be the first to admit that DVC members don't pay as much as deluxe resort guests for comparable accommodations, but it's actually pretty close. That's actually how the price for DVC membership is arrived at: by determining what is the
value of the membership. Disney makes members pay the net present value of that value, up-front, with a small advantage associated with making such a commitment to Disney. That's it. In all other ways, DVC members pay the same as deluxe resort guests.
Now, I'm not saying that entitles DVC members to everything deluxe resort guests get. DVC members are only entitled to what they've been promised. However, it does mean that any assertions of justification based on how much deluxe resort guests pay are equally applicable and valid for DVC members.