There is no question that it is expensive to be Incontinent even with good insurance as there are just so many support products that is part of it.
The 3 dollar cost point implies that the OP is not taking advantage of all the discounts of bulk buying and prescheduled shipping. Regardless, when I first became 24/7, U-IC, for years I wore cloth, pre-folded cloth diapers with plastic pants as what was available in the disposable products was of poor quality. One of the most common issues was the continued loss of the padding, which created a trail were ever one went.
Cloth diapers were just better all around over disposables. back then. The greatest advantage, to this day, is their ever reducing cost the longer one used this or that diaper, as once the original cost are written-off, it is only the supplies and time to clean, dry and store them.
It costs money and/or time to reduce cost of wearing cloth diapers and most people are not willing to either spend the money and are a demand on time that most will not expend as they are not willing to put in the time! The secret is multitasking!
All diapers will leak and time after time I have had a leak it was either my fault in not assuring I was wearing it correctly or it was not the correct diaper for the application.
Cloth diapers have a heavy learning curve as it is easy to wear too thin or too thick (LAYERS).