I pay less for SSL certificates per year than I do for the domains I use them on. You can get a free certificate from StartSSL if you're just playing, or an $8 certificate from Comodo if you're more serious. Some registrars (cough Gandi cough) even include a free SSL certificate with every domain.
So the "total ripoff" thing has been all but solved by market competition (unless you prefer to splurge on a $800 certificate that doesn't do anything a $8 certificate can't do). It's really just the "insecure" part that needs to be addressed.