When you need research experience to get into medical school/ be a "competitive applicant", I would argue that research no longer becomes a luxury, but in fact, a rite of passage.
If you LOOK at my first post, You'll SEE I was saying exactly as you imply, but to a different conclusion. Getting over the admissions hurdle requires EC's (stats get you in the door, EC's get you accepted as the saying goes) some people need to work to get by some people don't you say, which is true, but ALL of us NEED EC's regardless of whether or not we need to work. In that paradox, many EC's are tied to our financial resources, but not always directly as you implied. We shouldn't fault the OP for being frustrated with the cost of applying after having worked to complete impressive EC's, but we can tell her that few on SDN will care (as you so eloquently displayed), so she better live and deal with it.