Because you need a few bits and bobs to get your pi working there is a major disincentive to complete and finish whatever that hobby project was to be. Hence the situation with my pi - the wait for bits and bobs, a small bout of illness and the initial enthusiasm gone.
I think that the price of those extra bits and bobs is also quite a bit. Sure, everyone has spare power supplies and SD cards knocking around, but maybe not a spare video lead, keyboard, mouse, whatever is needed for the project. Just one of these parts missing from the misc. hardware drawer means a hurdle to getting started.
It is bit like buying a barebones car where you just need to put in a motor, a few seats, a few door panels, oh, and paint it yourself. You would learn a lot about auto engineering, for sure, but, it would cost more than initially expected.
What I would like to see is a raspberry pi that works like a 'hardware virtualbox', networking over USB, power over the same lead so you just plug it into your PC/Mac and you have something right there, ready for whatever web/hardware development needed.