Use actors. It's cheaper and simpler to record the dialog first and then animate it. You don't need famous actors, there are lots of good actors who'll work for cheap.

A few problems there. First of all, cheap for a single actor may be fine. Once you actually have four or five characters, even cheap starts costing. Then you have the issue with cost of re-recording when you find that a scene that needs fixing either for a script change, or when you go to animate and find there was background noise in a take or a line was flubbed. Even when the acting is free (one of my first games which I gave away), the "cost" in time and effort compared to what a program could provide is still expensive.

Agree. That's a major issue to making movies on your own. It would be so much better to have efficient text-to-voice tools.

Plus, getting a "free" actor often means it's less than ideal, too. Being able to control the voice the way you want is clearly where we need to go.