The problem is that state-level actors don't just have a lot of money; they (and their decision makers) also put a much much lower value on their money than you do.
I would never think to spend a million dollars on securing my home network (including other non-dollar costs like inconveniencing myself). Let's suppose that spending $1M would force the US NSA to spend $10M to hack into my home network. The people making that decision aren't spending $10M of their own money; they're spending $10M of the government's money. The NSA doesn't care about $10M in the same way that I care about $1M.
As a result, securing yourself even against a dedicated attacker like Israel's NSO Group could cost way, way more than a simple budget analysis would imply. I'd have to make the costs of hacking me so high that someone at NSO would say "wait a minute, even we can't afford that!"
So, sure, "good enough" security is possible in principle, I think it's fair to say "You probably can't afford good-enough security against state-level actors."
That reminds me somehow of an old expression: If you like apples, you might pay a dollar for one, and if you really like apples you might pay $10 for one, but there's one price you'll never pay, no matter how much you like them, and that's two apples.
We should do things that have the side effect of making exploits more expensive, by making them more intrinsically scarce. The scarcer novel exploits are, the safer we all. But we should be careful about doing things that simply make them cost more. My working theory is that the more important driver at NSA isn't the mission as stated; like most big organizations, the real driver is probably just "increasing NSA's budget".