No offence but you have to be looking to take exception to something if you are offended by this. Are you offended when your insurance agency quotes you more than they quote your child? I am not offended when they quote me a higher insurance rate than a female of the same age; it is pure numbers.
Your conclusion of what I am saying is so backwards. If I am 35 and every grandparent I have had died before the age of 75, and when I go to Disney, as you said yourself, there is a declining number from 70 to 80 to 90 as there is in the population at large, what difference does it make to you that I am assuming I might be dead or sick when I have 15 years left on my contract? No one wants to be wrong more than me about that lol trust me. But still I am just being realistic and I am actually happy for people who go and enjoy themselves, I am just not assuming I will be so lucky when it comes to spending money today.
Saying you if you analyze dvc financially you can't afford it is a misguided conclusion. You are totally missing the point; those people are still spending the money on the exact same thing. That is like saying I go to buy a Mercedes at one dealership and they sell it for $50k and I go to another dealership and they want $55k for the same car and I buy the one worth $55k and when you paid $50k I say "oh you couldn't afford it from my dealership eh?". It is the same car...that's the point.
I'm not looking to argue with you but I disagree with your comment about taking exception. If this is what you think that is fine with me, moving on...
I'm sorry that so many in your family have passed away at relatively young ages. My father passed at 78 my mother was 88 and my DHs parents were 86 and 88. I tend to take after my mother so I'm hoping I get to live as long or longer then she did. I hope you get to outlive your family members, with all the medical advances we are making it is very likely that you will. Now you just have to keep yourself healthy so you can continue to enjoy WDW in your "old" age if you are so inclined.
My comment about not affording DVC at this point in my life is being based on current rack rates and my age. I don't think I would be able to get another 50 years out of my DVC. I'm not that naive.
I'm assuming that is what you are talking about in your last paragraph, if not I'm sorry for not completely understanding your meaning.
Your comments prompted me to do a quick search on the US population based on age and it might interest you to know that we are actually experiencing an aging population, meaning there's going to more of us "old" guys then you "young" guys.
The information is from a web site that I hope I can name here;
www.marketingcharts.com/demographics-and-audiences-49490
Source:
U.S. Census Bureau
Notes: The first population projections released by the US Census Bureau in 14 years show an aging population distribution in the US: by 2060, slightly fewer than 1 in 5 (19.8%) of Americans will be younger than 18, down from an estimated 22.9% next year. By contrast, by the end of the forecast period, the 65+ crowd will account for 23.6% of the population, up from 14.9% next year. Indeed, the 65+ bracket will grow to outnumber under-18s some time between 2030 and 2035. Something to think about, given the complaints that
advertisers aren’t doing a good job catering to older Americans.
This may be something that you want to keep in mind when purchasing DVC. Just about the time you are getting ready to sell there may not be as many buyers. More supply then demand.
I also think that Disney may be getting near the point of oversaturation when it comes to lodging. Something else to keep in mind. What do they say?
"C aveat emptor or let the buyer beware."
I hope you enjoy your DVC journey.
). Thank you and I too hope that whatever decision I make it works for us. 
