Aluminum, while able to be made in lower numbers is still more expensive than plastic tooling. More labor to assemble them, the requirement that the details be cast separately, and the higher cost of materials tend to put new Aluminum cars out of the reach of most these days.
Even K-Line's excellent offerings would cost in the $200-$250 plus range each these days for generic cars.
However, I agree that plastic tooling is limiting. You are stuck with the tool on a fluted car and while many may not care, Budd, ACF and Pullman Standard all had different styles of fluting even within their own offerings. Budd fluting varied over the years especially. On the plus side a plastic model offers a much higher level of detail out of the box that can be built into the tool. Atlas has shown that with the quality of their passenger car offerings.
When a company invests in a plastic tool they need to use that tool a lot to simply cover the cost of the tool. At least today with slide tooling, windows are easier to modify.