I am the one paying for my MacBook Pro, because my company is a self-funded business. I run my entire business on this machine and I love it. I always buy the fastest CPU possible, although I don't max out the RAM and SSD.
Amusingly enough, I talked to someone recently about compilation speeds and that person asked my why I don't compile my software (Clojure and ClojureScript) on "powerful cloud servers". Well, according to Geekbench, which always correlates very well with my compilation speeds, there are very few CPUs out there that can beat my M3 Max, and those aren't easily rentable as bare-metal cloud servers. Any virtual server will be slower.
So please, don't repeat the "MacBooks are for spoiled people who don't have to pay for them" trope. There are people for whom this is simply the best machine for the job at hand.
Incidentally, I checked my financials: a 16" MBP with M3 and 64GB RAM, amortized over 18 months (very short!) comes out to around $150/month. That is not expensive at all for your main development machine that you run your business on!