One option might be to do as some friends of mine did when they got married.
They were fairly broke–like, making-under-20k/year-broke, and this was about 5 years ago, but were ready to get married.
They explained things to their pastor, who suggested that they get married in the rectory chapel. A lot of older rectories will have these; the priests will often use them as a place to pray their breviary and so on. The couple really wanted to get married in front of the Blessed Sacrament, but couldn’t afford the standard $500 fee for the church, so this was a good compromise. The chapel would have seated about 20 comfortably, which worked for their plans.
A couple of weeks before the wedding, the deacon who was to marry them had the idea that since the outdoor temperature was pleasant at that time of year and they were getting married in the morning, they could use the church without turning on the climate control or the lights, both of which, of course, eat money, especially in an older church. That turned out to be a great idea; they got married in the church itself, and from a “looks” perspective, the natural light pouring through the stained glass was stunning.
There were about 10 people there besides the couple–just close family and a few friends. The bride’s mom bought her a pretty dress to wear, and the groom wore a suit he already had. No flowers, no programs, so no cleanup afterwards.
We then all went to the local public gardens so that the photographer friend could take pictures, and finished up with dinner out.
Would it have worked for everyone? Nope. But y’know, at the end of the day, they got married with the people who were most important to them there, they were married by a deacon who’d prepped them solidly for marriage, and it really was a lovely wedding. I suspect that that sort of wedding was a lot more common in the 30s/40s here in the US than the massive bash we tend to expect today.
Long story short: talk to the priest, because fees and such can often be waved or reduced; take a look at less expensive churches; be willing to be flexible about dates (a Wednesday afternoon is going to be a lot easier to swing than Saturday at 5 PM), and nope, you don’t need a 100K wedding reception for everyone to have a nice time.
Oh, and on the reception: see if you have a Knights of Columbus hall near you, and check the prices. DH and I got married in a ridiculously expensive city at Christmastime

, but lucked out in finding a K of C hall that was gorgeous on the inside, served one of the best meals I’ve ever eaten, and charged about 20% of the lowest going rate elsewhere in town, probably partly because they’re not in it for a big profit, and partly because they were in a less fashionable area. Plus, you know the money’s going to a good cause! At ours after costs, for example, I knew that the money we spent was going to help local kids get to good summer camps and get much-needed mobility assistance devices and help the local crisis pregnancy center out.