Keep in mind that for me it's a hobby. I can re-head my set or live with what I've got. I can always save money until I can re-head the whole set or buy heads one at a time. I'd bet it's the same for most hobbyists, but I could be wrong. I can only speak for me.Really?
I used to walk into a drum store and buy half dozen pairs of sticks, just to try some new models out. I don't do that any more.
Reheading a kit is a significant expense. I don't think used drums and cymbals are too expensive, but new heads and sticks are definitely a pressure on your finances.
I can also agree that any hobby is a pressure on one's finances.