It cost us a hotel room at a marginally inflated rate (less than $200). Eclipses aren’t a secret so you can plan/buy ahead, you don’t get caught up in the price gouging. We packed food and drinks in a cooler to save $.
I’m not sure what you mean by going “outside and looking up” other than maybe trying to be dismissive. If you live in the path of totality, going outside and looking up (with appropriate eye protection) is a serious piece of luck, a luxury, and paying “1000 for a campsite” isn’t a problem. If you don’t live in the path of totality then you don’t get to see it - and seeing totality is what’s “worth it”, not just the moon partially blocking the sun.