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$100? Wow.
You got your 'indie' games, which are produced by a small group of people for minimal cost. You get your low and mid-range games which are produced for a few million. When you get to your 'big name' games, the franchises. Some of those could actually be produced on smaller budgets. Namely the franchise games that don't change much from year to year. Tweak some settings here and there, update the details, etc, and release it.
However, then you have your 'Blockbuster' and 'AAA' titles. These generally need to built from the ground up (like a whole new game engine, starting from scratch for the most part), or otherwise require a lot of pre production (research and conceptual work), advertisements, etc. Games like GTA IV are like this. They are expected to be massive successes, and generally require similarly massive budgets to do.
Movies are rather similar. Most movies have pre-production more or less taken care of. Many movies are based on books, so you just have to adapt a book to movie format (not as easy as it sounds, at least in the case of good book to movie transitions)....
Course, some games/movies can use a smaller budget and produce a great final product. In some cases it succeeds financially (far beyond what they expected, that is), in some cases it can get critical acclaim, but for some reason, it doesn't sell that well (Ico anybody?)