What Powderman said...
There are multiple parts of a weapon system that affect accuracy, and it can be all of them, some of them, or just one of them, that can affect accuracy from just a "teeny" bit each, to a whole bunch....
If your action is moving in the stock, it matters not how consistent your ammo is...or the precision of the fit of the components of the action, or the barrel itself. It's gonna shoot like crap...
There could be barrel issues, not visible without a borescope.
Some variables are easier to isolate and evaluate than others.
Is the action properly epoxy bedded into the stock, with pillars, and the barrel free-floated? If not, I'd certainly start there...
Production barrels vary widely in consistency and accuracy. If all else checks out, that's a common reason for not being able to achieve at least minute of angle accuracy with a factory rifle.
It takes major issues with an action for a rifle that's properly set up otherwise not to shoot moa or better with handloads- so that's not where I'd start. Blueprinting an action helps, but it's more fine-tuning.
Some rifles will shoot just about anything accurately, others will be pickier than a two-year old about it. But handloading is the cheapest (you're gonna buy ammo, anyway) way to rule out being "picky" about ammo as a cause of inaccuracy.
Of course, you'd have to be able to buy powder, primers, and bullets...
07 FFL /Mosin-Nagant Custom Shop/Bent Bolts
Gun-Kote/ Cerakote Refinishing
Criterion Barrels/ Savage Re-Barreling