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Currently trying to refund the new Indiana Jones game because it's unplayable without raytracing 
. My card isn't even old, it's just 8GB of VRAM is the absolute minimum apparently so my mobile 3060 is now useless. I miss when I used to be able to play new games in 2014 on my shitty AMD card at 20fps, yeah it didn't look great but developers still included a very low graphics option for people like me. Now you need to be upgrading every 2 years to keep up.
There are some good videos out there that also explain how UE5 is an unoptimised mess. Not every game runs on UE5 but it's the acceptable standard for game engines these days
It's optimized around dev costs and not performance, sadly.