That actually seems about right. I thought I had screwed up both my keys (while programming a third spare) and started looking into it. From what I read (this is from memory so I might be off) only the dealerships can program and cut a new key if you don't have any keys. If you have 2 keys, you can use the vehicle to program a key and a locksmith can cut it. I did this. If you have only 1 key, some locksmiths with the proper equipment can do the programming and cutting. But the equipment to program is extremely expensive so few mom & pop shops have them.
Programming instructions from the owner’s manual (2020). FYI for anyone who may need it in the future. eBay does have some people selling fobs and key cutting services, but I can’t speak for quality since I haven’t bought any myself.