You can also find a builder who will do it cheaper. They may have just started up. They could have decent tools and some OK trades. But to build it cheaper, they have to cut corners somewhere. The end result can look nice, but you run into problems (and it could be years later) because of the compromises. By that time, that builder has gone under, and you can’t find anyone to take responsibility.
And then, you can find a REALLY cheap builder who only has 1 tool (a hammer) and untrained trades. They could build you something that might look like a house eventually, but it may not stand up very long.
Or, you can build it yourself. A company can sell you a VERY expensive hammer, make lots of money, yet it doesn't have to take ANY responsibility for the end result (which likely won’t be very good).
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