It isn't a $200 headset. It's a headset you have to build yourself (including 3D printing and soldering) with $200 worth of parts. Huge difference between the two.
It depends. Do you have paid extra work for the time you would use on building this?
Everyone who is capable of building this thing has the option to take on paid extra work doing /something/, even if it's tutoring rich college brats in calculus at $50/hr.
I wish that would be the case.