Shrug, 1. As an economist by training, I tend to see things in NPV. For me, the NPV of a few hundred or even thousand dollars with a say 20% chance of admission would be worth it. I also think one gains a lot by the whole application process - forcing you to take a look at your activities, application, essays, forming a cogent narrative for your candidacy, etc. I believe its all beneficial. The time spent in this endeavor I believe will be beneficial, all the more so if OP gets in this cycle. 2. I again personally believe there is a lot of negative nancies on SDN. OP has a great MCAT, D1 athlete and other stuff. Perhaps some family reasons or other event caused them to have poor academics earlier on. With a good PS, who knows, maybe his/her state school will give them love.
And finally, 3. I have a 2.8 c and bcpm GPA and will be applying. I had awful grades in undergrad and a 4.0 in two years of post-bacc. Am I confident I will get in? Of course not, but for me its worth it to apply for many reasons and I am encouraging OP to do so if they share my POV.
Lastly, I hate when people say "its all fine and dandy if your parents are paying for everything" -- the implication is that to disagree with your opinion means that you are well-off and/or spoiled, which I resent on many levels. FWIW, I work 2 minimum wage jobs, but I also happen to save money for the important stuff. Like med school applications.