I have zero doubt that a perfectly functioning and appearing set up could be made for under $50 by buying the components. I have seen many such things done that were indistinguishable from a top line set. No it is not as simple as buying some parts and slapping them on but it is still fully doable and if you invest some time and labour to do it well it can save some cash.
But...
When there are reasonably priced pre made kits out there then why bother? Yes, you pay more but you also don't have to mess around. I personally am willing to pay a higher price for something from a reputable vendor based on customer service and warranty. They are going to make sure that it isn't going to rust in a year and if it does I would hope they will make it right.
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Racecar spelled backwards is Racecar, because Racecar.
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