$250 will get you 64 GB of laptop memory but that will be operating at something like 1/8 to 1/16th the bandwidth. Similarly you can get 2 TB of NVMe for $200 but you need to go to the ~$350 range to approach the bandwidth, I haven't looked into IOPS.
I still think the prices are inflated over raw hardware but not as exaggerated as finding the cheapest parts with the same capacities would make it seem.