Problem? What problem?

Costwise, it is whatever you make of it. I cycle very happily on my 1980 touring bike (paid roughly $400 back then, racks, fenders and generator included). It was rather expensive, but since I didn,t have any repairs to do on it until 2000, it means an average cost of $20/year.

Consumables (tires, tubes, occasional chain and water bottle, gloves...) cost a grand total of $50-$100/year, which is much less than any kind of subscription I could pay to a ski resort, a gym, a tennis court, etc.
Moreover, a lot of these consumables are consumed because I commute and often shop around by bike. So not only I enjoy my time, but I save gas, automotive costs, etc.

OK, now I must confess: I endulged myself in a newer touring bike in late 2000, and added a trailercycle and a child trailer to that. Still, it is cheaper to buy that than to buy ski passes for the entire family. Besides, they love it!

Regards,