Consumables drop in cost per page the more you pay for the printer. Business printer consumables are cheaper per page.
Lasers are often overkill for many home owners who print a few dozen pages per year. Also, Lasers are inferior for printing photos. Even a cheap inkjets if printing on photo paper are way superior for photos. That said, pay services are the better option for most.
I print quite a bit, so I own a BW Brother for volume, and an Epson for photos and other stuff. I realize I-m not a n average user, though.
I generally use compatible cartridges. I can buy toner for my Brother for something like 15 25 Euro from amazon, and carts for Epson for 25 Euro for an 8 pack. They work fine. BTW, I bought the brother laser, new, in the box, from a second hand marketplace for 60 Euro. Basic printer, not a MFP, no scanner, b duplex but not wifi, which is probably why they sold it, probably a mistake buy and outside the return window.