With the powder (about $22-30/Lb max) and primers (5¢ ea) that I bought years ago I can load 9mm about 5¢/rnd cheaper than I can buy it. But I can make .38 or .357 rounds for about a penny more. .223 ammo is cheap, too. I can make those for 35¢/rnd or buy it for 65¢/rnd. I can make 30-06 for about 50¢/round where you can buy it for $1.35/rnd.
Do I buy some 9mm and .223 when they're so 'cheap'....SURE! But I don't have to and when everything gets scarce or the price goes up, it won't bother me a bit.
And cast bullets? The Missouri's cost 11 or 12¢ each. I don't mind using some X-Treme plated that are about 8¢ ea if I don't push them too hard. That's ECONOMY! I retired on disability over 20 years ago. Economy is VERY IMPORTANT to me.
So if I had all kinds of money, I wouldn't have to reload at all. But I'd sure miss the fun.