Developing a commercial product is not cheap. You have to spend money somewhere.
I purchased the entire Allegorithmic suite of programs so that I could have a user-friendly method of texture artistry that I understood better than the Material editor. I’ve also bought a lot of Marketplace content. All these things are for covering my shortcomings so that maybe one day as a fairly unskilled person I can produce some working content. You either have the skill or the money, but without one of those you won’t have anything.