I get what you are saying. It IS very frustrating to see how many people justify doing things they know are not allowed to do, just because going to Disney World is expensive. I think most of us do not have a money tree in our back yard, and we save and scrimp in order to be able to enjoy our trips to Disney. You know what Disney's rules are. And if you have 3 kids and need to either stay in a suite, or a delxue resort, or get 2 rooms, or even stay off-site, then that is what you should do. You shouldn't try and re-arrange Disney's rules to suit you.
I am all about finding codes that I can use, and doing other things like eating lunch for my big meal instead of dinner, to save money. But I draw the line at cheating the company that I am going to for my entertainment.
I really don't get when it became so acceptable to break the rules just because you think you can get away with it.
BTW: Pb&J in the room=ok. Griddle, waffle iron, and crock pot=not ok.