I do not consider my music has been at all expensive. A good instrument cost me the equivalent of around a year's salary, I suppose, which I did not find difficult to save after working hard for three years in my early twenties. Mind you, I was living with my parents , paid only moderate board and spent very little on other things. Tuition from somebody with a few clues is more or less essential when you are young, and this would have cost about the same proportion of a salary as most people these days spend on takeaways.
So relatively speaking, when I think about what everybody seems to spend on running cars, trips abroad, playing sports, clothes, restaurants, fancy renovations and so on - no, even with the cost of a good piano and a few years' tuition from a first rate musician, the material cost of my music has been of little significance.
Having said that, if you want to have years and years of tuition and degrees from famous people and conservatories all your life, then yes, it would cost a hell of a lot. However, I have neither needed nor desired these things.