Money Supply and the Money Multiplier. Money, either in the form of currency or as bank reserves, is a liability of the central bank. The central bank controls the monetary base, expanding or contracting it at will, according to the needs of the economy.
Whole life is also more expensive because of the costs of storing and investing your premium money. Unlike term, the money that you put into your whole life policy can be borrowed from the policy if you need it. Term policies only collect enough to cover the cost of your insurance, and have no cash value.
Of course certain steroids are going to simply cost more than others, especially when you get into the more exotic blends but like all things in life there are standard going rates. The cost of steroids exists in the same manner every other item in life does and much of this revolves around supply and demand.