IMO, the problem with looking at the situation in terms of the cost of things is that there is no absolute correlation between price and sound quality, however one defines that. And then there is the fact that a group of similarly-priced loudspeakers will produce radically different sound. One or more of them may sound better than the others to any given listener, so there again price is not the determining factor in sound quality. That being the case, one must find a better way to determine system budgeting.
In the days when Linnies roamed the Earth, their philosophy was the further upstream the component, the more important it is. The reasoning was, once lost, information can not be recovered downstream. True, but that ignores the fact that loudspeakers, like phono cartridges, are transducers, and vary much more in their sonic characteristics than do electronics, and even mechanical turntables and tonearms. A loudspeaker has a far greater influence on what you hear from a system than does anything upstream. IMO, of course. And, as many have here said, the speaker and the room it is in are a system unto themselves, inseparable.