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."