If money is an issue, you can always have the group chip in. Beyond that only whales spend thousands of dollars on D&D. I haven't spent "thousands" of dollars on D&D even spread over the past decade, even including a 3D printer my wife bought me. A DM having PHBs to loan out? I've never seen that and it's entirely unnecessary if you have DDB which is around $50 per year.
You don't need sapphire dice and every piece of dwarven forge kit available to play the game. I got a really nice dry erase mat for $18, buy a pound of dice for $20 and have enough dice for a lifetime and give everyone at the table their own set. If cost is an issue, it's easy to find cheap minis, use other indicators, print monsters or just play TotM. For that matter, you don't even have to buy a single book, you could easily run the game using the free PDFs.
Even though I could afford it, outside of peripheral things I don't need for the game and things like terrain, I simply don't see how you could spend thousands of dollars year after year playing D&D.