There are some brands of bicycles that can cost more than the down payment on a car. Why? Surely making a bike lightweight and reliable isn't so difficult that it warrants that price? Is it just the brand name or maybe it has to do with customization options?
The bike that's in my price range is the Walmart Huffy intended to be sold to ten year olds. The cheapest adult bike I found for sale new in my area was $1,500.
So I just don't have a bike. I might buy a used one someday.
Learn how to do bicycle maintenance and find a good second hand bike that needs a little love.
I have a Giant hard tail that was €1200 new, but I got it used for about €100. Serviced the brakes, put on a new chain, cleaned/oiled/greased everything mechanical and it's like a new bike.
Though to be fair I last looked a few years ago. Situations may have changed by now. But when I was in the market for a cheap bike none of them seemed reasonably priced to me.