Disney has lots of dining experiences available to a variety of budgets. Same in real life outside of Disney - it's too expensive for some people to eat at Outback or Olive Garden every night, so others go to Wendy's or stay home and make hot dogs that they bought on sale with coupons. You do what your budget allows. In Disney, maybe some of the character dining experiences are too expensive for some people, but you still have options... sometimes you just need to do some research and think outside the box.
First of all, breakfast is commonly the least expensive meal, so if a character dining experience is important, pick a breakfast dining experience.
Garden Grove at the Swan offers a character breakfast buffet meal on the weekends for around $20/adult, $13/child. It's not in a park, but you can walk to Epcot or DHS from there (or take a boat). And the resort itself is often overlooked, but something to experience in itself. And it's a little cheaper than other character breakfasts or buffet experiences.
If you don't care about characters but simply want a buffet meal on property, Trail's End at Ft. Wilderness is just a simple boat ride from MK, and it offers a breakfast buffet that's about $16/adult, $10/child.
If you just want good food and don't care about buffets or characters, there are countless TS restaurants throughout Disney in resorts and in parks. You can share meals with others in your party to cut your expenses in half (and help maintain your waistline), or as you move on to lunch and dinner time, consider ordering cheaper appetizers as your meal, or share appetizers and desserts.
If you go frequently or for long periods of time, a TiW card can also benefit you, saving 20% off each meal.
If you really don't think TS meals are in your budget, you can go to CS... you can cut those costs down too. Share a double cheeseburger and only eat half the bun each, split the fries, drink water, skip dessert, etc. Get a bigger CS meal like the chicken, mashed potatoes, and green beans at Cosmic Rays - lots of food - easily two complete meals outta that. Will it cost more than McDonald's? Yes, it might a little bit. But when you're in Disney, time is money too...
And who says you must have eggs and pancakes for breakfast, a burger for lunch, and steak for dinner? There's other comfort food out there... Have a warm cinnamon roll for $3.50. A carrot cake cookie for $3 is massive and could satisfy two individuals' appetites for a meal - a mere $1.50 each! Enjoy an ice cream for $3-4 and call it lunch! It is vacation after all!
