Because not everyone can be a computer nerd.
Apple has put a huge amount of real effort into direct outreach and support of their customers, really.
Microsoft chased business.
Apple chased people.
Google is chasing its own tail.
For the markup over the retail price of the SSD, someone else does the installation, validation, built dumb stupid restore and backup services to boot.
Dell? Lenovo? Microsoft? Still ramming bloatware down your throat and persona non grata in malls or shopping centers, or wherever a digital nomad might be roaming.
Apple built a hardware and software ecosystem for normies. Free from the Machiavellian incantations of pretentious experts with their opinions on memory layouts, how big their data is, when people just want to edit and backup files.
People think the markup is worth it to avoid IT people. Can’t say I blame them. Have you worked with the “professional” level IT crowd? Alpha bro sausage fest and foot fungus eaters.
That’s why people pay the markup.