At PDK, there's a school that rents a Cherokee 140 for $95 an hour on block (
http://skybnd.com/fleet/). Even at 70 hours of rental, that's under 7k. Then add on another 2k for 40 hours of dual at $50 hr (I'm guessing, it's probably cheaper) and you are almost to 9k. Throw in $500 for a ground school (or self-study for way less) and $600 for the checkride and you are right at 10k.
And that again is at the very top echelon of how long it usually takes. While some take 70 hours to get a PPL, if you actually plan properly and fly often, it almost certainly will not take you anywhere near that long. How you spread the training out has more to do with how long it takes than some natural talent you may or may not have. And that's in your hands to affect or not.
There is no doubt that some places you simply can't get a PPL as cheaply as other places, but in
most places in the US you can find a decently priced school or club or rental + freelance instructor that will get you done for around or under 10k unless you are a very delayed student that doesn't take it seriously (i.e. fly often).
As for the actual time it takes most people, I've always read 55-60 was the average number of hours (and your Cirrus link actually says their students average 55 hours to get a PPL). You'll also have those who take 100+ hours that skew the averages because of medical issues or huge gaps in training.
BTW, that Cirrus school you link to estimates 55 hours at $340 an hour. That's where the 24k comes from. That's insane and should not be used as any actual comparison to most flight training costs. When I said 16k in a Cirrus, I was using the $230hr SR20 they used to have at VKX as my example.
Anyway, the point is, people can make excuses and give worst case scenarios about the costs at the most expensive schools, but it took me 3 minutes on google to find you a school at your airport that could get your PPL done for 10k if you took 70 hours. Now what if you flew 3 times a week and took 50 hours? It's more than possible.