You can buy 128GB of DDR5-6000 with a 9950X3D (not this newest X2 version, but still a $699 CPU) and a motherboard and a case for $2800 right now: https://www.newegg.com/Product/ComboDealDetails?ItemList=Com...
If you don't need 128GB, there are quality 64GB kits for under $700 on Newegg right now, which is cheaper than this CPU.
If someone needs to build something now and can wait to upgrade RAM in a year or two, 32GB kits are in the $370 range.
I don't like this RAM price spike either, but in the context of building a high-end system with a 16-core flagship CPU like this and probably an expensive GPU, it's still reasonable to build a system. If you must have 128GB of RAM it can be done with bundles like the one I linked above but I'd recommend waiting at least 6 months if you can. There are signs that prices are falling now that panic-buying has started to trail off.
128GB of RAM should not cost $4K even in this market.