Pass holder over 15 years. Our CC is Disney bonus $$. So for us 2 Pass holder end cost is less than $300 per year, which breaks down to $12 per visit. It’s Four parks not just MK. We will drive over for lunch or dinner some weeks.
Our Universal is $550 for pass holder, which breaks down to $38 per visit. Epic tickets are outrageous, but in a year our guess is they will be rolling in to pass holder cost. Three parks without epic
So no it’s not a problem for us, but some may struggle with $300-$1500 park entertainment budget per year.
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Do not worry about things you can not change 
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