Why do movies cost so much to make?

I get that actors are expensive, but how does it ever get to insane numbers like 350 million (for endgame) and 200 million (for titanic).

Am I missing some insane cost? And why do some of the best movies ever suddenly cost a lot less?

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Look at the average scene in an MCU movie and see that 90% of it is usually CGI. Extrapolate all those effects across a 120 minute film and add in the price of the top name actors they usually have, and I'm surprised it's only 350 million.
- Isn't like 50% of the scenes in endgame just people talking / planning?
  
  Sure. Where are they talking? Is it in a fanciful location or anywhere with a window? Itf so, it's probably CGI.

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