If someone posts a question on a message board, they should expect a variety of responses to it. That's the nature of internet chat forums. Disboards is much more polite than many others that I have read.
As for why there is an essentially overwhelming advice being given against financing, it is being done in an attempt to help the potential purchaser.
DVC ownership is expensive, from annual dues, to wanting to buy APs, to flights or drives to and from Orlando. It all adds up quickly. If you do not already have the financial discipline to save enough for DVC, then all these extra expenses, plus interest payments, may come as quite an unpleasant shock. Its just not something that is needed for what is 100% a luxury purchase. Save financing for a car and house, and save for the rest of the things you don't need. There's nothing wrong with going to Disney once every 3 years, and staying at Pop Century when you do go
And comparing people who finance Disney to those who go into credit card debt to pay for their vacations is a foolish way to go. The idea is not to race to the bottom, but rather to put yourself in as good of a position to enjoy life as possible.