Given that the costs of steroids outweigh the advantages, why do individuals still use them?

If you do not have any underlying health conditions such as fatty liver disease, cardiac valve problems, or anything else, then a few cycles will definitely not cause any long-term issues.

They will probably even assist you in your daily routine, making you more athletic while also improving your mental well-being.

Steroids are much safer than what people presume about them; they just became stigmatized during the war on drugs.
Of course, with every cycle, it is essential for its users to consume reasonable dosages as prescribed by their doctor.
In my experience, health issues can start to rise after 10+ cycles if your compound choices are INCORRECT! Yet most people can get away with years of smart gear use (e.g., if total steroid use is less than 500 mg/week) without long-term health declines.
Testosterone, Primobolan, and Masteron are the safest compounds. Perhaps you will still have to have regular health checkups with a doctor or an expert.