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Skydiver here.
It's not just money, it's not just skill that makes you a successful jumper.
It's a certain type of attitude and the ability to think when you've aimed yourself at a planet. Not everyone can do it. To be blunt, there is a large part of the population that shouldn't do it, because they have terrible decision making ability.
As far as money, I went through the student program in the mid 90's and it cost me about $1200, if I recall correctly. My first rig, used, was $4000. My second rig, new, was just over $8000. I have 4500 jumps most of which I paid ~ $20 each for. I don't want to do that math.
The best decision I can think of to make when someone asks me if I would like to jump out of a perfectly good airplane and plumet toward the ground at high speeds would be to say "No thanks."
Former skydiver here. The best response I ever heard to the "why would you jump out of a perfectly good airplane" question was, "you should see the planes we jump out of."