I think this is a bit like buying a car.
Sure
Pay Insurance, Pass the Annual Inspection, Pay for an Parking Space,...
I often argue around with other Radio Amateurish why I refuse to make the Exame.
Its a expensive hobby.
Nah, it's only an expensive hobby if you let it be, it can be pocket friendly if you have the will and an eye for a bargain, you really don't need to spend a lot to have a lot of fun (I would really like the IC-7300 but realistically, I don't need it, I just have a few quid spare right now).
I've had this conversation with the guy who owns the radio shop I buy from and he reckons the majority of the all singing all dancing radios are sold to people who buy them as electronic willies to wave around, not because they need them or get $x000 worth of extra use from them.
My whole 'manufactured radios' shack, other than one dual band handie that I bought new, was second hand/faulty or has been converted from PMR and in total, cost less than £400.
For that £400 I have Yaesu VX-1R, Baofeng UV-5R, 2M Yaesu FT2900, Tait T545 (I think) PMR on 70CM, 2x Stornophone PMR on 6M and 4M, an Icom IC-718 HF radio and AT130 tuner, antennas are either wire or made from aluminium tube bought from the local garden centre, my 2M antenna is welding rod inside plastic electrical conduit, the main PSU came from TopLoser on this forum, untested (had a minor fault), IIRC £60.
The homebrew stuff is similarly dirt cheap and that's where I get most of my radio fun, it's amazing what you can build with a few tens of dollars/pounds of eBay items or pick up at a rally.