(Actually, that sounds like my street clothes!)
Look, I introduced a young friend to roleplaying games - the simple kind that I play - and he kept coming around to borrow my dice. After he lost one and I suggested he buy his own, it came out that he couldn't afford them. He doesn't get an allowance, and isn't old enough to work legally. So I bought him a dice set for Christmas. We're not even talking about books here - for this guy, it's dice.
At this point I'm going to call out three of the games on the list I gave earlier as a reality check on the actual price you need to pay.
Fate Core. Rules available on a Pay What You Want basis. Dice you actually need: 2d6 of different colours for the d6-d6 suggested option for Fate.
Dungeon World. Ruleset available for free online. Dice you actually need: 2d6. (A set of polyhedral dice help but you can work round that).
Monsterhearts. Rules available for
good deeds. All the rules you need
are free online (although I really wouldn't recommend playing it without reading the rulebook). Dice you actually need: 2d6.
For a grand financial cost of precisely
nothing if you're cheap you can get all three of those games for free.
Plus from good free games I've played
Wushu (which I think requires 5d6 and is a good game at what it does - and you should enjoy I think),
Lady Blackbird (7 dice I think - again simple to play),
Gurps Lite (not your thing at all but free and takes 3d6). And
many many more free games.
So. For a decent gaming system you need spend a grand total of
absolutely nothing. To play all you need are a couple of ordinary 6 sided dice. Exactly how could these games be cheaper? You get paid to play them?
It's fine for you that you are an adult living in a Western nation and have only friends with money. But what are kids, or the majority of people living in Venezuela, supposed to do? Should I be apologizing somehow that most of the world doesn't have what you have?
An internet connection and a couple of six sided dice? Yes, I think that everyone should have an internet connection. But given the costs I've shown, I'm literally not sure how the hobby could be any cheaper. Possibly you could simply not use dice? (Nobilis? Chuubo's? Amber Diceless?) Even
Pathfinder gives away its rules for free.
Yes, it is a bad thing that there are people who literally can't afford dice. Absolute poverty is a real problem. I'm not saying otherwise. But how that's a problem with the roleplaying hobby is beyond me.
But maybe part of the turnoff I experience with complicated roleplaying games is the attitude of people who play them which says that of course everybody has the money to burn on these endless, unnecessary rulebooks, and screw anybody who doesn't.
This is an aging hobby. Some people worry that there aren't enough kids picking it up for it to last. Now, I don't think rpgs are genuinely dying out. But if the games were simpler, easier to understand, and yes cheaper, then doesn't it stand to reason that more people would grow up enjoying them, too?
We'll see what happens. The hobby was at its biggest in the early 80s with the Red Box and AD&D - the latter hardly being simple.
But you can't get much simpler than "The rules fit on two sides of A4". You can't get much cheaper than "Free other than a couple of six sided dice and the cost of printing half a dozen sides of A4". Mysteriously this hasn't grown the hobby much (although the Fiasco market is different to the ordinary RPG market). What the RPG hobby doesn't really have is visibility. And one reason for that is that it's too
cheap to play RPGs meaning that gaming stores get very low margins on them. It's also not got the turnover for bookshops. And MMOs are easier to get into. So no, the problem isn't cost. If the problem were cost then free RPGs like the ones I've listed would have taken the world by storm.