I think its meaningless to emphasize lore. Computer games don’t have a specific author. At some point, someone (who?) said that isk was incredibly valuable, but ultimately lore must reflect the game.
Since we have an in-game economy, we can estimate the value of ‘isk’.
Wheat (for example) is a fairy basic staple commodity, and the in-game galactic ‘average’ value for Wheat is 112 isk per metric ton. The current real-world value of wheat is roughly $317 per metric ton. This suggests a value of $3 per isk.
Other commodities vary in value, but never come close to ‘lore’ estimates. If we assume ‘base metals’ represent bars of iron (as indicated by the image and description) then we have a value closer to $60 per isk. Silicon, likewise, has a higher relative value.
It is likely in the EvE universe that renewable resources are plentiful (with a low price for wheat) and non-renewable resources are expensive (with a high price for minerals). Consequently, the ‘true’ value of isk likely lies somewhere between the values indicated by wheat and base metals.
Perhaps $30 per isk is a fair estimate, suggesting a universe where the price of an iron bar is roughly twice as expensive (when compared to modern values), but bread is much cheaper. The people in EvE generally have plenty of food, probably distributed by state welfare, but they often live in substandard overcrowded housing.
If we assume that the value of isk is $30, then the cost of a cheap interstellar corvette is roughly $300’000. A nicer shuttle might cost $1’000’000. Spacecraft are mass produced in automated factories, and they are fairly inexpensive.
The main cost of a ship is the hull, not the warp engine.
It’s clear that the population of EvE has some tremendous energy technology, and ships do not normally require measurable fuel, whilst the speed of light is routinely exceeded. Warp capable engines are extremely inexpensive, although powerful.
Curiously, microwarp drives are much more expensive than actual warp drives - this isn’t explained by lore, and was probably not considered by the developers. We might conclude that warp drives are fairly simple in design, and they somehow trigger a wormhole which a ship falls through, via some exceptionally simple method (perhaps they emit a particular frequency or modulated wavelength) - but they don’t have any particularly complicated construction, aside from technological insight.
The average EvE citizen will never be able to afford a spacecraft, but (as lore indicates) its not uncommon for wealthy kids to traipse off to lowsec for an ill-fated party.