Costs and limitations of topical finasteride

I’m looking at topical, how much is 0.1% fin to mg in tablet. Are there pros and cons to topical fin?

In the US at Costco, I was able to buy a year supply of generic finasteride for $30. Topical Liposomal Finasteride costs about $60/month. The limitations of the topical, is that it only works where you put it so if you are losing hair all over, then the amount of topical finasteride will increase significantly along with the costs.