well you know what they say about the best things
That's a different perspective you've got there Bri, but not everyone chooses what they shoot based purely on finance, the logical progression of your ideal beggars the question, why shoot film at all.
I mean, ok if you've already got a load of film gear from yesteryear, it could make sense from a finance perspective to just carry on using it, but most people shoot film for a mirriad of other reasons related to the material, equipment and process itself, not because its the cheapest option, for most people wanting to shoot film, a mobile phone might as well be a toaster or something as equally useless for the job.
I want to wet print my stuff, its not for everyone.
I shoot some 35mm because its an extremely compact and versatile format compared to 120, but miles more importantly, it produces a half printable negative, without that you're left with shooting a desirable beautifully designed camera......just for the fun of owning it and shooting it.
Do I wanna do that ?, well sort of....kinda.....lots of people do, but for me ultimately its a complete fail, its like walking off a cliff, I want to do it just for the experience of the freedom of flight/plummet/whatever, but if there is no product at the end of it, (ie I don't live to enjoy the experience afterwards)....what's the point, there are far too many sexy cameras that produce useful negs to shoot without faffing about with tiny formats...