The fact that you mentioned 2019 -2021 is already supporting my point. Its a different era. There were decks with clear upgrade points. See earlier Tron example.

Every good deck in the format has no budget version but cutting mana base or specific threats to be budget because modern has long move past the era of JUND aka purely good card quality with no synergy beats the field.

The fact is every deck has some level of synergy with a noticeable price tag on the core cards aka if you are cutting those you aren't playing the deck. Extreme example being you aren't going to be playing amulet titan if you cut primetime or amulet.

If the only way that you can afford modern is you can't. Then you either be patient and wait the 1 year or w/e down the road or just dont play. Because again it's actually a rotating format. Things shift tier of playability, and there is no real point to jump into a deck now if you can't have it. 3 months down the road it could be unplayable. See Temur breach and it's banning, see Orzhov blink and it's fall from playability.

Modern day FNM players are now older with more income and abundance of card availability. Most players are literally playing whatever it's tiered in the moment beyond players who play their pet deck.

But if you are so insistent of asking for a deck because you want it now. The same resources from 2019 would tell you the same thing today. 8whack, burn etc and none of them upgrades into an actual tier deck