Yeah that is just insane.
I saw some videos from China [1] where people were upgrading the storage in the new M4 Mac Minis. The Mac Mini's SSD is on a removable pcb but it is raw nand flash as opposed to, say, typical m2 2230 SSDs that have a built-in controller. So they had to desolder it. But getting someone in China to desolder and upgrade the SSD to 2 TB is like 90% cheaper than buying it from Apple.