I am not even sure how to respond to the comments made by the OP, beyond the fact that I have no idea where the numbers came from.
Any owner at BIS-Duck can read the many documents available online to all owners explaining in detail the budget history of the resort year by year, along with the many Owner updates of the past 5 years, as well as a most recent 9 page document explaining the current special assessment of $2,200 in detail. The assessment is planned to raise somewhere between $8M-$8.5M total, and owners have the option to pay that $2,200 amount in installments over the next 4 years. The current HOA Board has been discussing the need for a Special Assessment for at least the last 3 years previously. So this assessment should have been no surprise to anyone (at least not anyone paying attention).
Basically in a nutshell, BIS-Duck owners enjoyed 30+ years of maintenance fees that were significantly lower than the national average. The total underpayment cumulatively was in the neighborhood of $12M-$18M. In the years from 1990 to 2015 the resort seems to have never had any regularly scheduled Soft goods (every 5 years) or Hard goods (every 10 years) replacements the way a more professionally managed resort would have attempted to provide. Looking at the financials there were many years where the Reserve budget was funded at totals under $50k, and definitely under $100k. That was the Reserve budget line item planned and assessed for the ENTIRE year. Imagine owning at a resort that did that for decade after decade? The reality is that a resort the size of BIS-Duck should have been assessing annual maintenance fees that would have funded and maintained a Reserve line item of somewhere between $800K-$2M.
In 30+ years, even though the annual budget was significantly underfunded by maintenance fees kept unreasonably low, owners were only hit with 2 Special Assessments in that time frame (which occurred in the last decade). Frankly owners at BIS-Duck should have been hit with a series of staggered special assessments starting 20 years ago to start bringing the resort up to acceptable standards.
Unfortunately current owners are now stuck paying for the numerous mistakes made in the past. But the positive is that at least Owners should finally be able to look forward to saying goodbye to couches, carpets, etc from the 1980's.