Honestly, Costco is your best bet. About $200 for a road/MTB bike, maybe even less. It's not something I'd take trail riding, but if all you want is a cheap aluminum (at least I think they are) bike that even if it gets stolen you won't cry about it - costco's your game.
I once thought going used was going to be my solution to a similar problem. Turns out a used Specialized or GF is still going to be way more than $200.
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