This gen's consoles are just too expensive. If their base models were both 300 bucks you wouldn't hear nearly as many complaints from me. But a thousand dollars to have both, plus their own individual parasite online taxes, is too damn to ask when they still overlap so much.
Instead, if you want an affordable console, you have to sign away your right to trade in or lend out games and do all your business through miserable digital storefronts. And in Xbox's case, you have to take a massive hardware power downgrade in the process.
There really is no ideal way to play anymore unless you're rich as shit.
I bought a $900 PC and added a graphics card to it over the summer when I was 16 back in 1999. That was just flipping burgers at McDonald's three times a week and on the weekends. Granted that's in the US, so options like that may not be available everywhere.
A Xbox Series X and a year of Game Pass is way cheaper than that, especially after you throw in inflation.
Now if you have bills to pay and almost no income then yes it's expensive. (And in some countries of course the prices are ridiculous)