Cool, man. I didn't think you were being sarcastic. I hope you didn't think I was.
As far as budget is concerned, there is the question of writing what you can shoot. Writing an engaging story is difficult enough; it's even more difficult to write an engaging story that can be effectively shot on nothing. If you can't think of a way to effectively show that your protagonist is in a mental health facility, then I wouldn't write that. I would LOVE to make an intergalactic space-battle movie, but you won't find me writing one anytime soon, because I can't effectively shoot that.
Totally feel you dude.
I definitely wrote everything based on what I could do on a budget
for example this one, it won't make much sense out of context but the whole story is no dialogue, and i wrote it based on a song so without the song it wont make much sense but here's an example of a story I thought of with the no budget:
CAST
Man 1 Matt Gillooley
Girl 1 Breanna P
Bad guy 1 Dan Gillooley
Starts off
flashes with bass drum hits
as guy wakes up from bed
guitar start, sun comes in through window he wakes up
checks time, gets dressed
going for walk outside, checks text
"Meet me at the park in 10 mins <3"
walk to park
examining weather on way
laying around, checking phone
sitting on bench, making calls
no response
weird pwaching noise (1:26) he sees a paper taped to the wall
"If you want her back
come find me"
Put note in pocket
GUITARS BREAK IN
RUNNING FRANTICALLY
Find guy,
pull out gun
FIRE
(fade)
Wake up from dream as guitars quiet
reach into pocket
"fear materializes
as love awakens"
pan out, girl is next to him waking up
look into each other eyes and smile
end