To the original question - about ten years ago, we started coming to Disney.
Our household income for 3 at the time was well under $60,000/year. We drove from out of state (they didn't charge for parking if I recall); stayed at All Star Music in January (definitely off season); and enjoyed very nice discounts and often Free Dining. We always packed snacks and breakfast items, so our food costs were minimal. My kids used Christmas money from Grandma for one souvineer each. I believe our trips priced out under $2500 for a week. It was truly Magical. So, it WAS affordable to our "average" family, but with other sacrifices (we only got pizza about once a week, didn't eat out, and had a very frugal entertainment budget - state parks hiking, camping, etc).
We did that same January trip every other year until about three years ago. Our school system "disallowed" vacation as an excused absence, and my kids aged into sports where the January trip didn't work anymore. We started going during Spring Break - everything else the same, and the cost more than doubled - we needed airfare, no more free dining, and AllStars and tickets were priced for Spring Break...maybe $5000 for the week. Still affordable, but much less so for us.
About three years ago, we had the unexpected ability to purchase Annual Passes. We made signficant budget changes to support that "Year of Disney". But trip costs continued to climb as we were traveling during Spring Break and summer months where the costs are higher.
Summary Assessment based on our experience - if you CAN travel during off Peak times and find great Discounts (which Free Dining was - and I haven't seen that offered since Covid), then the immersive Disney experience probably IS still in reach - with other budgeting and entertainment "sacrifice" involved.
If you need to travel during a more Peak time, need to fly/pay to park, and minimal discounts are offered, it becomes a challenge. You can stay offsite, cook in your room, and shorten your trip - but the current price tag for that same experience we had before (6 nights/7 days, onsite, 2 meals/1snack pp) would likely now exceed $8000, and that would NOT be affordable for an average family - except as maybe a "once in a lifetime" splurge. Add in the lack of extended extra Magic Hours, paid airport transport, paid LIghtning Lane/Genie, Character Meals, etc, that cost would easily exceed $10,000. Not affordable for an average family income at all.