I'm going to cast my lot with the "DMing is work" crowd.
I have great players, and despite busy schedules (3 are engaged, one travels a lot for work, etc.), they try to put in the time to work on their characters out of game. But in the end, they're spending a couple of hours between bi-weekly sessions.
Meanwhile I'm no less busy (one kid, one on the way) and I put in 10-12 hours a week in campaign preparation and reviewing the rules, etc. Mostly in the later hours of the night after my three year old is in bed.
Make no mistake, I do it because I love it. I choose to DM; I don't feel imposed upon by the disparity. Also, I check in with my players from time to time to get a feel for how they're enjoying the campaign and I consider any suggestions they make. But in the end, I'm going to run the game I want using the house rules I want. And I'm going to do that because that's a lot of hours to spend developing something you're not interested in.
Threads like this have caused me to put a lot thought into this topic because I want to be a good DM for my players. But in the end, he who bakes the cake picks the flavor.
Personally, I would find it pretty offensive if I found one of my players talking the way I've seen some people talking here. Be grateful that somebody is spending the time to put together a game and letting you sit at their table. Furthermore, put some thought into how you can make it fun for yourself. Play a race or class you've never tried before. Find an interesting hook for your character. Own your part of the game.
If it's a case of an unskilled DM, offer suggestions. Or better yet, offer to help. If it's a case of a jerk who happens to be DMing, that's tougher to resolve. But ask yourself, am I taking issue with the DM or with the game he has created? If you cannot enjoy his game, make room at the table for somebody who will. Otherwise stop playing "Blame the DM" game and play D&D.
I say to players who are so insistent that the game fit a certain mold, let them eat CRPG.