IMO, if you're not out there beating the bushes trying to find a good steer for a decent price, you're doing it wrong. Waiting for one to come along on an online sale seems a bit lazy to me. These cattle have been fed, cut, de-horned, clipped, and at least green broke. That demands a premium over market price, which is the highest it's ever been. You're looking at spending AT LEAST 3k for just an alright calf doing it this way.
I'm on the other side of this than you, and it's just as unbelievable to me. If somebody wants to pay me 25k for a heifer, I'm not going to tell them no just so some "hard working" family can buy her for $2500.
Also, you're either a little late or a little early to be finding the bargains right now. You either have to be buying them early and beat all the traders to the good ones, or you have to wait as long as you possibly can to see what is left over. There's nothing wrong with a left over steer. Bob May, Dave Guyer, Bonham- all of these guys have had their kids showing "left over" steers for years and dominating shows.
Lastly, I know you're just venting and looking for some advice, but it's coming across as a bunch of complaining. Thousands of families are in your predicament and find a way to make it work. I know it's frustrating to see the best calves bringing 10, 15, 20k, but that's life. Work a little harder and look at as many cattle IN PERSON as you possibly can. That being said, I'm sure than many of us will keep an eye out for some good, inexpensive steers and pass them along if we find any. Good Luck.