No - my point is simply - when someone is going for Physics (vs. say engineering), if you’re considering grad school, you have to consider the full of education - that’s all.
Physics as an undergrad likely translates to more schooling - so if that’s in OPs plan, they should account.
We don’t even know if they have budget concerns - just that they won’t get need.
My comment about law or business was just because you mentioned PhD but I imagine few that go to grad school end up in a PhD.
Hopefully OP will engage more with the questions asked.