Sorry to be that guy, but if someone cannot afford a $10 bit of hardware for the most basic attempt at protecting others from being harmed by someone impersonating them... then they have no business being a trusted maintainer in a Linux distribution relied on for billions of dollars in infrastructure.
That would be like someone saying they could not afford a mask in COVID or something. It is hard to believe these people really exist. I could go find $10 in change looking on the ground of a few nearby fast food pick-up windows, because I have done it. Many times. Free money!
Anyway, such people will be easy to bribe, easy to target, easy to steal from. Letting that sort of person have trust in a major OS is endangering them, and frankly irresponsible.
For anyone that makes excuses about being unable to produce a hardware signing device, of course let them contribute, but then let two confirmed real humans with hardware keys adopt, review, and sign that PR, and always have at least two real confirmed humans with hardware keys sign every change both as code, and as reproducible artifacts after.
We have taken in tons of drive-by unsigned contributions in stagex. This is no problem. We just pretend an AI bot wrote it, and require one maintainer to "adopt" the commit to sign it (maintaining attribution), and then a second maintainer reviews, and does a signed merge as usual.