Prices are higher , currently. Supply chain issue affecting cost and there is more competition for labor and copper.
Most all of the bikes and components are Chinese, with a few German/EU.
What used to be slow is now the proverbial slow boat from China.
Increasing EU sales, to the tune of 30% in some bike markets pushing prices as well.
What you get with a "white bike" or cheap kit is an exposure to the tech and lots of problems.
This may serve to help learn the field, and you can make almost anything do anything.
Heck , guys do world tours on unicycles, and put ICE whizzy motors on old Schwinns.
Well balanced, safety conscious, focused, reliable tools are pricey up front.
DIY project bikes require a big investment in time to meet most needs.
The biggest expense risk comes from bad decision making.
How they store, secure, charge, maintain, and insure get often overlooked.