Berahino is a great example... of why you're being rather odd. He's regarded as a top prospect, and yet, is only about 3 months younger than Lukaku. Lukaku has scored 3x as many Prem goals in the past season, and is twice the player and twice the prospect.
The thing about Lukaku is that even if he was 27, he'd cost at least £15m+. He is one of the top scorers in arguably the hardest league for strikers there is. But he's 21. And only just 21.
However I know you're thinking from an Evertonian POV, and yeah, we're poor. The emptiness of our pockets is matched only by the emptiness of Kenwrong's black heart. But we have to spend at some point. As we've seen in the past 10 years or so, it's nigh on impossible to get a top striker for a small fee. Even the ones people love to go on about like Benteke, Michu etc -- what have they done this season? Plus, the amount we've spent on gash strikers in the past 10 years must total what? £30-40m? It's like buying a crap microwave every six months for £40 -- in the long run it might cost you more than going out and buying a quality one for £150.
For me, it's a no brainer. If there's any chance of us signing him, we must throw every penny we have. He won't go down in value, short of a hideous injury, and so it's more like a deposit if anything. I've watched Everton have ace defenders and ace midfielders for years, and we've done nothing at all, because all that good play is useless when you've got a crocked Saha, Beattie or Jelavic at the end of it.