I doubt I am alone in saying that I would gladly pay twice the price to avoid having to use Windows. It's the most user-hostile, hand-holdy, second-guess-and-confirm-my-explicit-command-ey os I've used to date. And bloatware baked in? No thanks.
Windows is pretty shit these days, but it's not the only other option. Linux is far more sane than MacOS or Windows.
...but that is a luxury.
You're probably right. I am in the middle-class, maybe lower middle-class, and I live in the US. I have advantages and opportunities that many in other circumstances do not and I am sincerely grateful for them.