If off-site works best for someone, financially or otherwise, then they should stay off-site. We've always been fortunate, in that we've always been able to get some kind of discount, either
AAA, AP, Florida resident at one point, or military.
Having said that, I've never felt that Disney owed us a discount. It's great to get them, but while I hope for them, I never expect them. Discounts are to fill rooms, period. They aren't a rewards program for people that have spent lots of money over the years, or a loyalty program for people that come every year. They're a way for Disney to make money on rooms that might have otherwise sat empty.
As for the rack rates continuously going up, I just haven't seen a big increase for next year, at least not at the time we're going (Jul-Aug). AKL and CR went up $9/night, and a BLT 2BR went up $25/night. Personally, I just don't find that to be unreasonable.
For our family, we only want to stay on-site, and we go less often so that we can ensure that we are able to do so, even at rack rate, if necessary. But if the only way we could afford to go was to stay off-site, then we'd certainly do it, and still have a great time.
I do wish the very best to people that are still trying for discounts - one year, I was calling every day for 3 months, and had 4 different reservations for an 8 night stay, just to get discounts, and in the end, I got discounts for every night. So keep trying!