I don't know how other people play, but here's my situation. I started in 0.4. I'm currently on day 189, and have exactly $90 to my name. I have bought everything except android's slut outfit (not a fan), mixology training, and advertisements. I also only bought one of the music tracks for the bar, because I've been given no indication that buying more does anything. I've had the bar operational for 3 in game weeks and my highest profit has been $190.
Obviously my situation is anecdotal and cannot be used as anything more than the most limited of data, but it is my personal experience. I'm not going to try to do even simple math here, 'cause that's not my strong suit, but it feels like it still might take a very long time to save up enough to buy the elves at the currently listed prices once they are implemented. Just buying Jin at $1,000 was just at the edge of feeling grindy for me.
As stated my personal experience is too limited to draw too many conclusions from, but I hope that whatever costs and earnings come out at the end are tested enough to feel balanced how you feel is right.