Written from the perspective of someone who has too much money (and also has probably never pirated anything).
"A simple web server is $5/m"
No, Vercel is free.
"A code editor like Sublime Text is $80"
VSCode is free (and probably much better/extensible).
"To make iOS apps, XCode is free. A developer license with Apple is $100/year"
Apple ecosystem is for people with money. Go for web/Windows first, Android later, Apple last.
The only think I can think of you might actually have to pay for here is a domain name, and incorporation.