Titan was the most premium card available and probably not representative of a typical build.
I don't think you are wrong, just more lenient in your definition of affordable. It is compounded by the supply constraints, and markups over retail we are currently seeing. I can buy a 3090 right now on amazon, but it is $2,450, 5x the console price. Titan was ~2x console price.
(Amusingly I'm running the exact card you mentioned, and I did buy it for about $450 NZD used, although the going rate is more like $350 now on the local used market).