Yea because as we all know, games require millions of bucks to make.(incase you didn't know, I'm being sarcastic in this line).
Look, no game under any circumstances, inclding hiring a ton of people to do everything from scratch, should take more then a few hundred thousand. You hear companiies spending millions, but that's only because they are ******* clueless when it comes to handling money(seriously they have the worst book keeping, and marketing departments in the history of commercialism.
Furthermore, if you're actually making a quality game, not some graphics over gameplay POS, It's doubtful you would reququire anywhere near that 300kish price tag(well not from just the development anyway).
In the local setting(as in the RM or other such indie development scenes), even if you commission a lot of the art(which is easily the most expensive thing to commission), It's extremely doubtful many people ever break the 10k mark.
Most people probally spend around 1k or less give or take(for the development costs anyway), which if you divide that number between the time it takes to create a game, is next to nothing.
People who do a kickstarter, aren't trying to fund a game, they're trying to get paid before the game is even made.
If that wasn't the case, they would ask for a lot less money, and when it hits the price point, it would be taken off kickstarter, instead of letting the unneeded money pile up to the ******* moon.
Hell the OP even offers such a case, a game supposedly got like 40m in the kickstarter lmfao(that's such an extreme case It's hard to believe, granted, but you always hear of games getting hundreds of thousands of bucks, and even breaking the million dollar mark with kickstarter). You couldn't spend 40m to make a game, even if you tried, huge MMOs don't cost anywhere near that to make(even the ones that have been ever growing for the past 12 years didn't add up to that much).
Also I can't fathom why anyone who claims they need hundreds of thousands of dollars to make a game, would be using the RM development tools(even if all the music/art, and scripting were to be custom), because the fact is, if you were spending that kind of money to develop a game, you wouldn't be using RM, due to It's restictions(you would be using C++, for coding instead of RGSS3, you would be using a more customizeable map editor, most likely designed from scratch, to do everything you want, specifically designed for the game you're making. No weird resolution/viewing screen size limits, ect.
Nevermind most of these specialized development tools, just love to use special file types for resources, which can get very annoying(RM is actually probally the best one as far as that goes, because it accepts resources in their standard format for the most part, it doesn't require things to be converted into unique, one of a kind formats. As far as I can tell, the only thing in RM that does that, is the map editor, but for some reason every map editor out there seems to love packing the created maps into unique img files that only that specific map editor, can read)
Needless to say, RM, along with most of the development tool, engine/network combinations are specifically designed for people who don't have mad amounts of money to spend, to still beable to make high quality games.
If people had the money to hire people to do everything for them, and such, there would be no reason for things like, RM, Unity, Byond, Flash(although flash is the most restrictive of them all, so I really wish people would stop making flash games, especially any that use animated actions of any kind, it would be good for text muds, not much else though), ect.