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Cost of living is not uniform in any country. Being unable to afford a nice apartment in a “good” neighborhood in Jerusalem or Tel Aviv doesn’t mean you are closed out of the entire country. Unlike golus, where rural areas and smaller cities are not realistic options from frum Jews (no Jewish schools, no shul, no mikva, limited availability of kosher food), in Eretz Yisrael there are many more housing options that don’t require living in the most expensive metropolitian areas. When you take into account the premium paid in golus for Jewish education, kosher food and housing in expensive urban areas, Eretz Yisrael starts looking much more affordable for a frum Yid.