So let me summarize. If you're poor or are having trouble making ends meet, you don't belong in 3d. You're insignificant, only corporate accounts matter. Make more money peasant. This may suck for you, but it'll be awesome for those of us who can afford it. Decent tl;dr?
If I'm poor (which I have been) and having trouble making ends meet (which I have done) I'm not going to attempt to be a Porsche mechanic either. I'm going to work on cars I can afford the tools for.
When I first went freelance, I had $0. I took out my loan for a crap computer so that I could afford software. I used the built in renderers for C4D until I worked enough to afford Octane and a GPU card. I built my way up. So, cruelly, yes. If you can't afford the cost of doing business, you shouldn't be trying to be in the business.
That super mean thing being realized as "reality sucks sometimes" is followed up with this-
Blender.
100% all inclusive 3d Package. For Free. With Free Support. With Free Tutorials. There are even free render farms to use if you are a student. If you are struggling, guys are always offering their vast systems for rendering. Everything you need to be a successful 3D artist is there. FOR FREE.
Problem is that the UI sucks. And its a steep learning curve. But I can't think of any other industry that supports its userbase better than 3D. Fer crying out loud, Unity, one of the top gaming engines in the world with some of the most advanced real time rendering tech is (guess what)
FREE!!!!!
My kid downloaded it for fun and made a VR game for his Oculus. So, it can be done. I'm a shadetree mechanic. I love wrenching on stuff. If its got a motor, let me have it. But, I have Harbor Freight tools, not SnapOn or Mac. I buy tools at garage sales. On Clearance. I use what I can afford. Now, if I for some reason started to make a living off it, you bet I would upgrade those tools when I could afford to. But no one is going to hand them to me for nothing. Not like the 3D industry does.
So, stop looking at the lack of tools as the limitation. If you can't afford KS, that's great! There is a path for you out there, focus on the path and refining your talents and knowledge, in the end that's what makes the difference. The software is just a tool to get the end result.