Hi Karol. Nope, not at all. I still don't see what it has to do with what I said, though. Doesn't make my lackluster dark elf army any different (and I didn't say how much it cost...)
To be honest, if money were such an issue, the last miniatures game I'd play, certainly competitively, would be something from GW. This is where I'd think a more narrative approach, buying cheaper starter set models or second hand models and just playing any old way would suit better than a competitive environment.
When I couldn't justify buying GW prices, I've been happy with games with free rules and 1/72 scale models. I'm happy to accept that your local group (or yourself!) may feel differently.
I've made armies for next to nothing, but yeah, they would be utterly useless in a tournament! Or laughed at for being mostly 4th edition mono-pose plastic or Reaper Bones.