Accumulating BTC gradually is not affordable for everyone, but it's quite affordable overall.
It is affordable because you only have to buy what you can afford at that moment and you can just buy again the next time you have money again. That is a lot more affordable than if you had to buy bitcoins at just one big chance.
Bitcoin transaction fee is normally very low, but again, even $0.3 is not nothing in some countries, for some people.
It depends on your transactions. Some people have been complaining about the transactions fee so if you were to only buy a few, it will be a lot cheaper.