Only the super high end PCs require a lot of money and nobody needs that unless they are video editing. You can build a system that can play new games on Ultra for a few hundred. I know that sounds like a lot but consider the costs of extra controllers, the price of games and the subscription you have to pay for if you want to play online. Why the fuck would I pay money to use the thing I'm already paying money for? I rarely pay over 20 bucks on a single game thanks to sales and the fact that and games are generally cheaper on PC. At least they drop in price faster. Like I just picked up Mankind Divided for 15 bucks a couple of weeks ago.
In other words, the money you save on not paying $60 or more dollars per game, not paying a subscription and not buying stupidly priced controllers can get you a nice rig that will last for several generations of games without having to switch out any parts.