With $3K, you could stay at an off-site hotel that includes free shuttles to Disney World for an entire month. DVC is a discount for certain deluxe resorts but never a cheap way to visit WDW.
But if you must stay at a Deluxe Resort, you could sign up for a Chase Sapphire Preferred with 80K bonus and a Marriott credit card with 3 free night certificates as your sign up bonus. You use 20K Chase points per person to fly United Airlines domestic using a Turkish Airlines transfer. You use those 3 free night certificates and some additional Marriott points for 4 nights at the Swan, Dolphin or Swan Reserve. After accounting for the fuel surcharges, resort fees and annual fees on the credit cards, the total cost of hotels and transportation for an entire family from anywhere in the US would still be less than $500.
For YouTubers, Disney trips would be business expenses. Not only would they be tax write offs but if spending 10K on a trip to WDW could earn them more than that from
YouTube, it's an investment, not a cost. A restaurant owner is going to spend on rent, ingredients, etc in order to make money. It's the same here.