Shalidor's Mirror, Ulm's Juicedaw's Feather, Vivec's Kiss, Tinur's Hoptoad, Ondusi's Open Door, Erelvam's Wild Sty, Alad's Caliginy, Golanar's Eye Maze, Berevusa's Averted Eyes, Tevral's Hawkshaw, Almalexia's Grace, Sotha's Mirror, Vivec's Feast, Tranasa's Spelltrap, Vivec's Tears, Vivec's Touch, Rilm's Cure, Selyn's Gift, Balyna's Antidote, Vivec's Mercy, Rest of St. Merris, Balyna's Soothing Balm, Balyna's Efficacious Balm, Veloth's Grace, Veloth's Benison, Balyna's Perfect Balm, Baronoff's Bloody Icicle, Enemies Explode (created by the mage in the Bravil guild hall), Essence Drain (created by Mannimarco), Notorgo's Curse, Feet of Notorgo, Lord Mhas' Vengeance, Fader's Leaden Flesh, Dedres' Masterful Eye, Tevil's Peace, Didala's Knack, Daydene's Panacea, Salen's Vivication, Daerir's Blessing, Daerir's Miracle, Drathis' Soulrot, Feldram's Trepidation, Tendil's Trembling, Reynos' Beast Finder, Radrene's Spellbreaker, Alvusia's Warping, Taldam's Scorcher, Selis' Fiery Ward, Icarian Flight (created by Tarhiel), Gonar's Goad, Monden's Instigator, Illnea's Breath, Drathis' Winter Guest, Radia's Icy Mask, Uth's Hand of Heaven, Prince Ov's Brightbal, Lliros' Glowing Eye, Galm's Seal, Ekash's Lock Splitter, Sertists' Porphyry, Tousu's Abiding Beast, Tevlin's Courage, Inas' Chastening, Tranasa's Spelltwist, Fphyiggi's Gem Feeder, Tranasa's Spellmire, Reynos' Fins, Inasi's Mystic Finger, Daynar's Airy Bubble and Selyn's Mist Slippers are all either named spells or explicitly created by mages.
So much for "not lore friendly".
Like I said before, Spells are made by people, they don't come from nothingness. Also I don't know about your entire list, are the ones that start with Vivec created by Vivec or just named after him? Anyway sure most of these mages created these spells.
However, I'm pretty sure they didn't do it by standing in front of a glorified music stand and pouring literally tons of gold into it somehow (assuming 1 septim is 1 ounce of gold)