I work for companies building industrial-grade software for international conglomerates and we got 2 devs, a tester, and a PO on the projects, and the BA is only 50% on the project, and the tester has 3 other projects.

The idea that you need lots of people and lots of money, to build good software, has no basis at all, in reality.

It is actually easier and cheaper to build and maintain good software, than bad software. Having professionals on the team should be driving the time spent and the running costs DOWN, not UP.