Do most people really need $50 for bike maintenance? I think I've spent about $15 on my beater bike over the last couple years, just to buy a new tube and maybe some wd40. For the vast majority of people I would imagine that they don't maintain their bike at all, modern bikes hold together pretty well.
Bar tape, inner tubes, and lube are all I really buy regularly; and the tape is just because I am vain and like to change up the look.