Mine came with a lock and lights. Tires last 10 years and aren't that expensive. Pumping tires has to happen a few times a year, come on. Never replaced a chain before the rest of the bike was due for replacement anyway. Never heard of anyone replacing cassettes. Lubricant is not expensive for how much it's needed (a euro a year maybe). New brake pads aren't expensive and they last years, disks last decades no idea how expensive they are (my bike from high school still doesn't need to have them replaced). Never used a pannier. Never wore a helmet that I can remember (I've had this discussion before here... I don't know anyone who wore one, nor anyone who sustained serious injury due to not wearing one). And special clothing, huh? What's wrong with the clothes you're wearing?
You're greatly exaggerating. The only expensive part is buying a good one when it's new.