I feel you may misunderstand me. I
do have a nice comfy job at a big company, in the Bay Area, as a software engineer. My career is still young, so I don't have a ton of savings. I couldn't afford college; I went to a cheaper one, took about a year's worth of classes before my debt became too much higher than my income and gave up. That's a big part of the equation, along with a car loan I still owe a fair bit on. Luckily I found most employers did not care about the lack of a degree and so began my career without much trouble.
I realize someone's probably going to comment that I'm an idiot for living in the Bay Area, but consider this: after living expenses, I still make a fair bit more than I did in Detroit, and I much prefer living here. So it is what it is.
I think in a few years I should be more than capable of buying an IDA Pro license, but as it stands I am not taking on that debt for a hobby. As for whether or not I will get a job doing reverse engineering, I think it's unlikely any time soon, though certainly possible in the future.
That's a lot more context than I feel is necessary to explain why I can't casually drop $3k-5k on a hobby, but hopefully it makes more sense.