Not having any tools is far more expensive because now you’re always paying for labor and parts not just parts.
As to things being more expensive that’s in part an illusion. Things where more affordable in the 1950’s when homes where 1,000sf, there was no cable bill, no cellphones, no internet, and no PC etc and that still represented a far higher standard of living than what came before.
I’m not advocating for giving up modern convince, just recognizing the slow shift from luxury to expected has real costs.