I think they do pay their way although these things are not an exact science. In any case it is a job, check out how many official appearances they have to make, the Queen was doing over 200 days a year until recently.
The landmine thing was just Diana. The royals are not supposed to express an opinion on anything political and by and large they don't.
It is a life of privilege in that you don't have to make your own breakfast but the trade off is you will never get to live like a normal person where you can just go down the shops or the pub with no bother. I'm not sure I would swap, all the yachts and polo matches and that would get boring, things you can buy with money are not the important things in life.
Lots of people really love it, here and abroad. Why would I want to ruin it for them? I'm fine with people having and enjoying it all as long as I don't have to do anything.
I've never understood the whole 'class' thing either. Who cares if someone is rich and lives in a big house in the country? Good luck to them. I just get on with my own life.