The trick is that a beautiful picture on screen is 90% drawing skill, not 90% a cool tablet 😅 iPad with Apple Pencil really are great tools, but a beginner artist doesn't necessarily need them. You can totally start with something way cheaper - at least an entry-level graphics tablet or even just a simpler tablet with a stylus. The key here isn't the hardware, but what you'll be training every single day. Your hand won't learn to hold a line and feel proportions because of an expensive device.
You can absolutely start from scratch with zero skills. Nobody was born knowing how to draw - everyone learned. Start with basic exercises: hatching, lines, simple shapes (cubes, spheres, cylinders). Then move on to more complex figures and composition. The internet is full of free tutorials and lessons on digital painting for beginners, there are even special apps for practice.
If you seriously want to develop, then yeah, eventually it makes sense to invest in a proper tablet - just because it's more comfortable to work with and has more features. But that's not a starting requirement, it's more like a reward for drawing regularly for a couple months and realizing this isn't just a passing whim 🎨