You have to understand before I start, here; I rarely agree with anyone about anything upon any terms, unless we have had a lengthy, protracted and detailed discussion which often results in simply an agreement to fully disagree (trying my level damndest to be civilized and all), but I do agree with what you said.
The other point, as already mentioned, we do not actually load to save $$$.
We do this because we want to.
The end.
I can totally respect that...not that I necessarily agree with you!
I feel badly for folks who reload ONLY because it saves them money, and do not enjoy the process in any way.
I loaded 40 rounds of reduced recoil 243 Winchester, with 85gr Partition bullets. The Hornady version of this stuff goes for about $35/20 rounds, or $1.75/ea. Buying the 85gr Partitions for about $.60/ea, I reload what I feel is even better ammo (using H4895 powder, tailored for best accuracy) and it costs roughly $.75 per round. My daughter is using this rifle for deer hunting in other states (and hopefully in Indiana next fall), so she's been practicing with it quite a bit. I save a buck every time she pulls the trigger. It won't take long to realize a ROI when you're saving $1 with every shot fired.