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Tried and succeeded.
Cumin, onions, garlic, salt, maybe some chili powder or a chili pepper. None of those cost much. The occasional fresh tomato can also be useful and is not expensive.
Elapsed time: can be a few hours if you soak the beans (you don't have to for refrieds). Actual time engaged in the cooking: a few minutes.
A pot or skillet to cook the rice in (I'd usually make Mexican rice), and another for the beans. Or you can tag-team them. You need a semi-decent knife. A steamer is very useful; otherwise you can stir-fry things.
Ten minutes effort, maybe less. I can do all the dishes for our current household of four adults in 15 minutes.
That requires a microwave. And you can also cook from scratch using a microwave. But you can also do subsistence cooking from scratch on nothing but a shitty two-burner stove.
That's not true. It requires some minimal forethought and half an hour of actual effort. And if you make bigger batches (and have enough room in the fridge to store the leftovers), you don't need to do it every day.
Not at all, but ready-made frozen meals are seldom cheap. The more the processing, generally the higher the cost. Frozen ingredients, on the other hand, can be cheap-- that is, if you have a freezer. Lots of people don't. I didn't when I was poor, I just had access to a shared fridge. Luckily I lived near a food co-operative that had cheap fresh fruit and veg (many of which don't actually need to be refrigerated).
I'm sure all dollar stores sell those.