Exactly Sean. I have to pay for my entire university education, along with any other "wants" I have. Luckily I am going to get a crap load of scholarships (and if I am lucky a LOT from American colleges if I choose to go down south), but if I didnt I would not be in this hobby at all. My parents are also leniant, by loaning me all the money I need for my herpsand large purchases I dont have the money for at the time (just finished paying back a $2600 debt for a trip to Greece and Italy).
Again, like Samba said, you get what you pay for. I would never search out the cheapest animal I could find, but rather pay the extra 50, 100, 200 for an animals from a reputable breeder/seller.