the GTX Titan Z came with a launch price of $2,999 in 2014.
That was a dual-GPU card, having 2x of the same GPU in the $1k Titan Black! So,
obviously it was going to cost > 2x as much.
I don't have a car or smartphone though,
Wow, that's pretty hardcore. I was the last of my friends to get a smartphone, but already felt weird for not having one until I did. My current phone cost about $350 and I've had it for 4 years (second battery). My plan costs about $300/year. So, it's costing me about $1/day. Compared to my other expenses (housing, food, transportation), that's nothing. Even my electricity costs are multiple times that!
If/when you get a phone, I'd advise to look for deals on higher-end models from the previous generation or so. You'll get a better device and it'll probably last longer than if you go for a low-end model that's more recent. I keep the "battery saver" setting to medium, in order to squeeze more life from it, and keep the GPS off unless I need it.
in particular when many are happy to stick to 1080p gaming.
I think why a lot of people give up on 1080p gaming is they get a higher-res monitor for other things. Going from 1080p -> 1440p is revolutionary for web browsing, spreadsheets, coding, etc. Going from 1440p -> 4k is life-changing, at least if it's 32" or bigger. You can find decent 32" 4k monitors (but not necessarily great for gaming) in the neighborhood of $300. So, it's no longer even a high-end thing.