If the rep was a DVC guide & your plan was to finance & pay off early I can see the guide saying that as part of his sales pitch. How would a guide even know whether his buyers who financed paid off their loan/mortgage early?
I think there’s a tendency to assume that how I did something is the way most folks did it too. I paid cash for my 4 contracts, thus I assume most people are like me & did that too, although my son w/ the Econ degree assures me that I’m not like most people financially.
I’m sure many direct buyers don’t have $30,000+ in cash sitting in liquid accounts and do finance but a surprising number of US households do have decent savings
https://www.bankrate.com/banking/savings/savings-account-average-balance/ thus would be able to pay cash for a DVC purchase if so inclined. The pool of potential buyers of DVC I suspect is skewed towards those earning enough to vacation at WDW & stay onsite &, unsurprisingly, savings seems to correlate with earnings.
Resale buyers tend to be another demographic - the initial buy in cost is lower, & I suspect they are less likely to make an impulse purchase, so it makes sense that a larger % of those buyers paid cash.