sigh
Small business loans. Angel investors. Crowdfunding. Publishing agreements. Dev grants / equivalents.
The money is there for anybody who cares to put the effort in to find it. If you can’t seem to raise the money through these routes, you may want to accept the possibility that your game is probably one of the ones that fails to hit the quality barrier and that Valve are deliberately trying to keep out of their marketplace.
Valve can’t make the fee low, or their store will be saturated with low-quality rubbish - this is the entire point of changing the system. Yes, it is possible that a game might not sell enough copies to make a return on the $5000 investment - but this is the risk that you accept when you pay the fee to have access to their storefront and customer base.
To ask a serious question - if you honestly don’t believe that your game is good enough to make $5000, why do you think your game should be on Steam in the first place?