I think it may have more to do with the atmosphere that was mentioned, than with money.
I dated an Afro-Caribbean (Jamaican) girl in high school and her family were regular churchgoers. They were not poor but not wealthy by any means either. They gave very generously to the Church, and I attended services once or twice. The Church was in one of the more financially depressed areas of the city but it was very well funded and well attended. The Pastor told me that even the poorer people gave generously. From what I understand, this seems to be the case in many similar communities of people with African heritage whether in the USA, Canada or the Carribean.
Ironically, that ex of mine became very disillusioned with a Church that preached "Black Empowerment" but still held to an image of a "blond haired, blue-eyed Jesus". Last time I was home I heard she joined Farrakhan's NOI and was in a relationship with another member, so though previously I had contacted her for a quick chat over coffee I thought it might not go over so well... Anyways, off-topic
So if the funds are there for Church, what is the problem with Buddhism? The uptight atmosphere that was mentioned above, I think. My father's side is poor Irish Catholic, my mother's, upper middle class English and Danish. With a few exceptions, usually when I get together with my mother's family (esp. my late grandmother, bless her), I am afraid to fart. There are so many unseen rules, so many ways to offend, so many ways to meet with disapproval. In many dharma centres, they simply take aspects of Asian culture mores and match them with the silent White Protestant disapporoval which makes for a stifling atmosphere. (I think in S. Dhammika's critique on Theravada he mentioned sitting on an ice-block wearing a corset). If even a White guy like me feels he is walking on egg shells, I can only imagine what it must be like for people from other cultural backgrounds.
In terms of the money issue- if people want this to change, they have to start donating. Eventually, someone is going to have to pay for it, even if it isn't you or me (most governments in the West won't subsidize Buddhism). So, people can start doing something besides just saying it should be free. Such as collecting money to subsidize two or three free places on retreats, waiving fees for ordained monks and nuns and young students, etc.
I will never forget the day I got a call from the president of the temple I attended in Canada stating that "They would no longer be able to give me the special rate, so I should think about whether or not I would be able to attend." No, I had not broken any rules or pissed anyone off at the temple. Yes, I was a 15 year-old high school student. The discount was 25%.
At the centre I work at in Holland we charge for courses because they just bought a big building and are carrying significant debt. However, the director is having more and more outside groups rent the premises as a "Conference Centre". He hopes that in one or two years, if we get enough such groups, all the Buddhist courses will be offered on a "Pay What You Can" basis.