At 22mm scale the cost of filament is basically negligible (literally pennies), but yes, you would have to either buy STL files or make them yourself in Blender.
Even assuming no losses, just by volume, something like $0.10 per figure, and packs of 1/72 scale figures that retail for $20 are often a 20-50 figures.
Often the artists are solo artists that you can, like, hang out with on Discord and chat directly with.
The exception might be Russia, there's a big 40K hobby there and they're cut off from buying stuff due to sanctions and the terrible state of the economy.