You brought it up Jasper, I just made a point, mental conditions, PTSD, certain meds, physical conditions, are all well detailed by the faa as to what is acceptable and what isn't, a PCP is not a good judge of these criteria and an "honest evaluation" needs to acknowledge this.
Part of the cost of flying issues that you mention are a direct result of pilots either blatantly ignoring these rules because they want to fly or being in denial that disqualifying conditions are a hazard. There have been many fatal accidents with pilots who have knowingly flown while taking prohibited meds or flown with grounding conditions. I'm sure all of these pilots, those who weren't suicidal anyways, felt their conditions were not a problem. Many of these cases caused innocents to die also. Please consider that these bad decisions affect all of the aviation community and increase the cost of flying through huge resultant lawsuits and corresponding liability increases.
I have no idea, nor do I care to know, if you have disqualifying issues. I just ask that you find out if you do, from a qualified AME. Dr Bruce is one who will answer questions about conditions you have concerns with via email. If it gets to the point there is a chance but a question, he will, for a very reasonable fee, review your records to see if a medical is possible, before you go into the jeopardy of an exam. And I think he would give you an honest opinion as to whether you should fly via SP if there is a concern. There are others who will do this also, you have to find them.
To your question, the FAA doesn't seem to have any interest in making aviation less expensive, they want it to be as safe and risk free as possible. Some here have given you ideas on how to make flying a reality. It's expensive, the best way to get in the air is to make choices that will give you enough money to fly. You have to figure that out.
I'm not trying to bust your chops, but soaring through the air is just a small part of being a pilot, the hard part is gathering the information, knowledge, skill and decision making ability to be safe, then reducing those things to practice. I hope you are able to realize your dream.