It’s only “insane costs” if you don’t know what you’re doing.
The old solution in on-prem was to populate machines with 2/3 to 3/4 of their max addressable memory and push back on the expensive upgrade as long as possible, or at least until memory prices came down for the most expensive modules. Then faster hard drives or new boxes are the next step.
on one hand, I can see how this is an unfalsifiable standard, on the other hand I can see the utility of solving a friction for people that messed up