My mother in law a"h just passed away. She didn't have a good Jewish education growing up in Missouri but....
Of course money is an issue, but that can be addressed - if someone actually cares about the issue...
Online, you can join any Jewish community of any level of observance you want.
Meetups are easy to organize and can be free.
"Partners in Torah" let you find someone to study Jewish topics for free.
How hard is it nowadays to start your own Facebook group and find like-minded Jews to discuss anything under the sun? If people are serious, online would become IRL.
Back in college I used to study Talmud with a woman preparing to become a Reform rabbi!
The time is there. It is a question of priority.
If Judaism is less important than Game of Thrones, time and exhaustion isn't the problem.