I think you need to have a very direct discussion with your parents about finances. It feels like both you and your parents care about prestige (which is fine) based on your current list.
While some may suggest large state schools with auto merit like Alabama as an option the decision to pay up for prestige is a personal family decision and you shouldn’t feel pressured or shamed. Talk to your parents and make sure they are aware that lower cost options exist and sort out as a family what you are collectively comfortable with. As others suggest run the NPC at some of your non merit reaches to access costs per your family situation.
I also think fit matters, and fit is much more than a simple pursuit of the lowest cost option. You self describe as a west coast Asian. How do you feel about southern schools with few Asian students?
Lastly, you should narrow down your list as you refine the specifics of what you are looking for in a school so that your applications are tailored to fit the school.
Good luck!!