I'm not picking on you, but when posters say they can't afford to stay on site, what I think they are saying is they can't stay on site and go as often as they would like.
I love going to WDW as often as I can. And if I had to choose between going less often and staying off site, I'm not sure which I would pick. But staying off site is a choice, we could all save up longer and take less frequent trips, if on site (or deluxe) is what we really preferred.
I for one have gotten spoiled by several resorts we have been lucky enough to stay out over this past year. I am getting accustomed to having more space - at least a living room in addition to a bedroom. It is hard to justify spending $500 or more a night for a 220 square foot room with barely enough room for beds. If I am not staying in an EPCOT resort I might as well be offsite since these hotels are the only places that would allow us to walk back to our hotel.
If it turns out that walking back to my hotel is worth the extra $4,200 (assuming a discount of at least 30% and a two week stay) and giving up all that space, I will go back to staying on site.
It seems the more well traveled I become, the less enchanted I am by "Disney magic" at the resorts - believe me I love Disney or we would not be going at all but at some point the price point becomes unjustifiable when you consider what else you could get for your money.