Another thing you have to think about is that many time people say that games cost a lot to make they are referring to console games(home console, handheld is a bit cheaper). The cost to make a consol game gets pretty high before you even take staff and development time into consideration just because of the cost to get a hold of the dev systems to make and test the games on and everything else that comes with getting the 3rd parties to allow you to make a game for their console.