Much, much cheaper than $21/user/month for GitHub Enterprise. I'm not sure what universe you live in where buying hardware keys is expensive compared to Enterprise licensing?
You have a valid point that we need SaaS vendor support for SAML/whatever, but GitHub, specifically, supports SSO. Yeah, it costs money to get that feature, but security doesn't just happen. Security is expensive, but it's more expensive not to have it. In this case, it costs $21/user/month. If that's too expensive to protect the source code of the company's product, that says a lot about the company.