Disney's draw and power is its brand. They don't need a lot of innovating thrills because it's the characters and stories that sells their product. As long as loyalty to their brand is strong, they do not need to always add to their fleet with thrill rides, bells, and whistles. Look at the parks: every year prices go up and the parks stay packed. The other lines do not have the same power of characters and stories to create loyalty. Therefore, what draws their base are rides, dining, and other experiences. As many have repeated, Disney will keep doing and charging what they have been until their base is priced out. Look at their push at the upper class--hook in more of those with the means to pay their increasing premiums. The addition of Tiffany's to the Fantasy is another example of them wishing to attract more of the high-end spenders.
The brand is what keeps us loyal, not their loyalty program. Think of what you have to spend to reach platinum on Disney in order to earn the "freebies" of a meal and early access to the ship. My brother's family is on the highest tier of Carnival's loyalty program and it offers them discounts among other perks.
Our emotional connections to their brand will separate us from our money as long as we feel it is worth it. There is nothing wrong with reaching a point where it doesn't and exploring elsewhere. My RCI trip on the Oasis this summer I'm approaching with the excitement of doing a day at Universal. Still a great time with different experiences. It won't be the same, but that's OK. The only thing stopping me from sailing
DCL is price; when the price is tolerable, you'll find me preferring DCL.