OP you may already know this, but let me give my two cents. I think the playing part is difficult. I think creating it to be even more difficult. I think the recording it is no easy task. The mixing, EQ, and get each track just right. Then producing it, looking at the key, BPM, what instruments, sounds to choose, a dash of this, a dash of that. The you need to get it all down to two tracks so that the vision is presentable.
I believe while it is not cheap, it has to be the best money and time spent of any nonessential endeavor. Yes growing things, inventing new ways to improve the human condition, curing disease, those sort of things have a higher value. Nothing comes close to creating a great song that elicits emotion, thought, spiritual connection and just plain feeling good or sad (I do love a sad song) than music.
I think it is not as simple an undertaking as most people think. Don't get discouraged, it is difficult, but the payoff is worth it.