You could get 4 top tier Disney World Annual passes for that. Something is off with your math.
Granted, the lightning lane passes are an add on, but unless you're going Premier Pass, they're reasonable. Well, at Disney World anyway; Disneyland's system is a little different and the multipass is harder to use effectively, making premier relatively more attractive there.
Now, if you want to stay at the deluxe Disney hotels, that DOES add up. They aren't cheap. But there are cheap hotel options nearby.