I have no Snowflake experience, but some limited BigQuery experience. And it's very easy for a small company to get to $100k/year bills without massive data.
Also humans cost more than their salary: Recruiting, management, benefits, attrition, vacation, the risk that they are just not capable.
A human will also cost you more year over year (raises, promotions, etc), SaaS will typically cost you less year over year (optimizations, negotiations, competition, etc).