Clearly this is incorrect. It must be - I have seen so many people complaining they're missing Teela, The Sorceress, Fisto, etc. You must be mistaken.
All kidding aside, there's this thing called the secondary market and I think people are just unwilling to spend more that $25 on any figures and create this perception that it's impossible to complete a collection if you miss a figure.
I also started collecting at the end of the third year and managed to complete my collection via the secondary market.
Not impossible, just not cheap. Actually - hobbies usually aren't.