The "F1 built in a garage" was always a myth anyway
There were always backroom deals for tech going on.
eg Tyrrel was backed by the Matra tech until he was winning and had built a design team and had innovation to stand on his own feet.
Modern aero testing though is prohibitvely expensive UNLESS they cap time/cost in tunnels .... or somene proves they can get to 99.9% with computer modelling
"A woman without curves is like a road without bends, you might get to your destination quicker but the ride is boring as hell'