Your FAFSA is using your family income from 2 years ago, and your family is living on the $33k currently. You can file a change in circumstances form and ask for an override,which may get you the Pell grant.
However, if you are looking at a school costs $50k, and your EFC is $0, you get the $6k pell grant, the loan at $5500, and say need based FA of $15k+ (which is a lot, and you won’t get that from many of the OOS public schools), you’d still be looking at over $20k needed to go to the school. It’s not that schools expect you to pay that from your family’s $33k, it’s that that’s the price of the college. You are buying an education, and you can’t expect it to be free, just like you can’t expect a house or car or food to be free even if you really need it. Schools gap you, and it’s up to the student to find that money. Most kids just can’t, so they go to a different school where the Pell goes a lot farther to paying the tuition (it’s the same Pell at every school, whether the tuition is $6k or $40k).