I think its great to think about minimizing costs/reducing wasted expenses. best solutions take creativity which is the essence of swaylocks. Don’t like talking about “cheap culture”? how about “efficiency”? Almost the same, but more likely to recognize that a board that costs less up front, might be less efficient/less cheap if it gets discarded or falls apart sooner.
As for time spent making the board, kayu is right on. time is the most precious resource, we all need to be careful to spend it wisely. however, If working on a surfboard project in your backyard makes you happy, that’s time well spent. if you’re just doing it so you can get a surfboard for the lowest possible financial expenditure, its probably time poorly spent. In my experience the cheapest way to get a surfboard is to buy a beat up used one. you’ll spend plenty of time fixing it though. the cheapest way to build a board is another story.
IMO blanks are a relatively low cost factor in the process. Blanks of many varieties can be sourced pretty cheaply, if you don’t mind extra work/creativity. old windsurf boards/ eps insulation/redwood benderboards from home depot/ offcuts from huck’s carpentry/whatever are all good examples of blanks that can be acquired for $50. the best board i ever made was made out of $13 dollars worth of plywood, $40 of wood glue and nearly all of my discretionary time for a month.
I’ve made 4-5 boards so far. dreamt up many more. The biggest cost factor for me (by far) is in the glass and resin. I’d say the best way to reduce that cost, is to practice and developsome solid glassing skills. Or at least I think so, cause my skills are junk which is why I waste waste so much resin/$ making boards, and why I can’t afford to make more of them.