Like I said, I didn't try very hard to find examples. They're out there. That one's expensive because it has been built. Typically, you buy the kit for the copter. You usually have to buy a powerplant separately. In doing so, you can still come in at/around 30k or less.
And "go for 10k used in a few years"? Proof? Proof that they'll still be around in a week, and actually in production ever?
How about
these? Choose a price, pick a helicopter. Oh look, some of them have the capability of carrying you
and your backpack.
Want to build it yourself? Vortech has blueprints and construction manuals for a bunch of models for around or under a hundred bucks.
Four engines? Big deal. Maintain your helicopter, learn how to fly it, and you won't need to worry about flaming death no matter how many engines it has. Accidents happen? Sure. But in the end, four tiny engines vs. one normal engine probably isn't going to save you from something you've done that's going to end in flaming death. How much of those are pilot error again? Oh yeah, almost all of them.
It's still a ridiculous overpriced toy. (You could say that about any of the personal helicopters, but we're speaking in relative terms here. That POS relative to a decent helicopter.

)