ADS-B ground stations are significantly cheaper to install and operate compared to primary and secondary radar systems used by air traffic control for aircraft separation and control.
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You may fly without ADSB under the Class B or Class C shelf provided you remain outside of any Mode C veil. §91.225 tells you where you cannot fly. It says you cannot fly within the lateral boundaries of the Class B or C airspace or above the airspace. It does not say anything about under the shelf.
Although the cost of installing equipment varies from aircraft to aircraft, the Civil Aviation Safety Authority (CASA) estimates the median price of installing a good quality certified ADS-B (out) unit at about $8,000, or $4,000 after the rebate.
However, if you wish to operate in class A, B, or C airspace, or at an altitude of over 10,000' MSL, or within a 30 nautical mile radius of the primary airport in class B airspace, you will need a transponder and altitude encoder (commonly referred to as mode C).