"High dollar" isn't the only alternative to cheap. When they were readily available, basic Colt carbines were around $1k. That's a good price for a top of the line basic AR and certainly not high dollar. At the time of this writing, new Colts are unavailable. But solid ARs from BCM, Sionics and other good makers are available for about the same price and are a good value for the money. They aren't high dollar ARs either.
There are more choices than having four cheap "back up" ARs in case you lose one or one irreplaceable "high dollar" AR. One can have a couple of reasonably priced ARs. But the harsh reality is, those guys that can't afford anything more than a $395 AR often load it up with "cool stuff" like cheap scopes, chinesium red dots, free float handguards, lasers, bipods, ceracoating and so on that put the total cost well into the high dollar category they "can't afford".
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