Anyone who wants a cruising yacht -- can have one!
Just build it yourself. You can do it, there is a multitude of help out there.
All you really need is the perseverance to complete the project. Volume I of "The Building of a Dream" covers building a model, site preparation , hull construction, and building your own marine engines. 396 photographs in 152 pages illustrate every step of the process accompanied by a detailed explanation of how I did it.