This is not true. You can get started on VHF for below $100 (e.g. Baofeng handhelds) and the same is true for HF (e.g. a QRP-Labs QCX kit and a simple dipole an

This is not true. You can get started on VHF for below $100 (e.g. Baofeng handhelds) and the same is true for HF (e.g. a QRP-Labs QCX kit and a simple dipole antenna). You can also find used 1980s HF radios (TS-440S era) in the range of $300 and add a power supply and some wire antennas so you'll have a fully capable 100W HF station for less than $500. My personal experience is also that local radio amateurs will be very willing to borrow you equipment to get started. Many of the older radio amateurs have collected a lot of gear over the years and are happy to put it to good use. Money shouldn't be an issue if you're really interested in ham radio!