If I understand you correctly, you aren't going to shoot film anymore because you can't budget/justify its expense. You can't compare increased prices as "overpaying," just because once upon a time something was less expensive. I used to buy gasoline for 30 cents a gallon. Now, I'm "overpaying" at close to $5 a gallon. But I still buy it.
I admit that I was unaware of just how much color negative film has increased in price until I looked just now. I looked on Amazon ($15-25/roll!) and on Freestyle. All the good value films are out of stock. But there were a lot of options, in stock, under $10. Fuji 200, $21 for a 3 pack, plus IIRC, $8 shipping.
And then, of course, there's the matter of processing. I'd have to drive to Austin, TX nearby or mail to any number of labs, but certainly no convenient option.
I process my own C-41, then scan and inkjet print.
Maybe time to love some B&W?