I don't collect dolls, but I get where you're coming from. A lot of people assume I'm spoiled or rich because I have so much manga, anime, and anime merchandise. What they don't realize is that well over half my anime dvds and manga came from thrift stores, library book sales, or clearance bins at F.y.e. The rest of it I saved up for. Most of the people who assume I'm rich spend all their money on junk.
I actually only own two BJDs, but I feel this includes me because I own so many collectibles, toys, and the what not from Sci-fi and fantasy shows, movies, books, etc. and people always assume I'm rich. No, there's this thing called saving and having money left over, sheesh.
I feel you... I've got two and am DEFINITELY getting more, but that absolutely does not mean I have extra cash. D:> (And my birthday/Christmas are coming up... ohhh, watch out money - you stand no chance!)
Well, it does mean that at some point that individual had enough money to buy a doll, and collectively, they've had a lot of money.
However, "Spare" isn't the word I'd use. A lot of doll owners had to painfully save up, dollar by dollar, for many many days and weeks and months, to get enough; only to lose it all once they've bought the doll. Often they get jobs and save up little by little by little, forcing themselves to have immense patience and self control, so they don't spend little bits of their saving money. I don't think very many doll owners just go, "Oh, I feel like buying a new doll. I have $400 right here. *buys*" I know what it's like to save up for a doll, I'm currently experiencing the pain. Seriously, right now if someone offered me $1, I'd gleefully take it. Every dollar counts, gives me that sense of happiness, the thought of, "Ahh, just a bit closer." There are those few really rich kids that just ask their parents for one and get it immediately, but the rest of us have to earn it.