That is not really the case though. Sure some new stuff is climbing but also things are getting better. You can toss together an extremely good good budget system right now . Use a budget card like the 1650 which are available, same with the lower end Radon cards.
this is actually a time where a 400-500 dollar system is very good, and can be an incredibly good entry PC that can play a crap ton of stuff, even the newest games like cyber punk. (no raytracing and 1080p)
That said, I would wait till march anyway as times are kinda lean and there just aren't many sales going on right now. Had you built a budget system right around the holidays you probably could of gotten 500 dollar rig or less if you found a few key sales. Very good bargain system specs. 3.8-4.3ghz, 8gb, 500GB, 1650, 650w PS, that would come in right around there with room to upgrade ram and storage and a vid card a year or so down the road or even wait for the 4060's