I'm an advocate of sticking a $5 16Gb Optane stick from eBay on a $10 M.2 to PCIe 1x adapter from eBay. Set it up as swap in Windows or Linux. Or pay $200 for a 16GB stick of DDR5.
The other part of it is that the MSRP already baked in a substantial increase from the previous generation. While RAM was near rock-bottom pricing when this hit, current-gen GPUs definitely were not.
It might also be that NVIDIA is a natural monopoly, while memory manufacturers are a cartel...
Surely this will be helped by a helium supply shock.