My company gives me access to a few journals, but at home I have no such thing. $20 is ridiculous for a paper, given that (a) the authors rarely see anything of this money, and (b) you often need to skim 10 papers before you find the 1 that's relevant.
Luckily, many papers in my research domain (compsci/ML) are open access. 90% is either on arxiv or Google Scholar knows a pdf URL.
For the rest, scihub is a lifesaver.