To have an appropriate "community" subforum, the actual body of forum would need to have a defined purpose. IMO, this forum has been a catchall forum. It really lost its focus when almost every topic that has to deal with how you spend your money at Disney was allocated to other forums (TPAS for ticket prices, Restaurants for the
DDP discussions, Resorts for the discounts and codes). The only thing that was left was the swaps (which no other moderators wanted to be bothered with). Now that the swaps and photopass shares have come to an end, this board has no unique Disney-related identity.
Really, what did that leave for discussion here other than "What can I do to put money aside for my Disney vacation?" That gets old pretty fast, especially when you consider that there is an entire Rewards forum that exists for discussing programs for making a little bit of spending money for your trip.
So when TPTB changed the definition of this forum to the current one, it left the door open to any discussion that has anything remotely to do with how you spend your money, save your money or make your money. Since just about any topic can be rationalized by an OP to fit into that category, you get a mish-mosh of threads that have absolutely nothing to do with Disney or saving for a Disney trip.
When the webmasters tried to rein the OT threads in by moving them to more appropriate forums, there was such an outcry that they walked their decision back and decided that pretty much anything goes on the Budget Board. No wonder they can't find a dedicated moderator for this board! Who would want the job? It would be like herding cats!