Is it performance we are bashing AMD for or costs? It cannot be both. Is it expensive to move to AM5? Yes, it is. Is it AMD's fault that MOBO manufacturers are charging premiums for early adopters? I disagree. Yet there are good value B650 boards out there so it's not out of the question
Is DDR5 expensive? It used to be, it is not anymore, you can find good deals easily.
Are Zen 4 CPUs too expensive? Not anymore.
When it comes to performance, AMD and intel are neck-and-neck overall, with the caveat that 13600K at around 20 bucks cheaper than the 7700X offers a much better rounded performance. But all of this performance parity is possible only through pairing Intel chips with 6400 DDR5 RAMs.
TL;DR, the cost to move to AM5 has been declining, and drastically at that recently, while the idea that Intel offers flexible upgrade path is only valid if you acknowledge that the performance will not come close to Zen4.