Right on the spot. PC's, while the hardware costs only slightly less, have plenty of freeware programs. Mac does not. Since you cannot build your own Mac, Apple forces you to buy the software suite as well, increasing the price of the end product. Therefore, Macs are indeed designed for the "rich kids" who can't or won't take the time to build their own computer to save money and learn something new, and probably don't know the difference between memory and storage.
The majority of people don't want to fuss with computers, they want something straight forward and simple to use.
This is Apple's marketing strategy, if you haven't noticed already. Everything of Apple's is marketed as being "cool". However, Apple is moving off the computer market to the portable electronics market. They make literally THOUSANDS of times more money off of iPods and iPhones (about which I could probably write a whole separate rant) than they make off of their computers. Hence, the company focus will shift to portable electronics, and their computers' quality will slowly degrade or become more mainstream (coughIntelprocessorscough).
Becasue PC's, in general, come in many different brands, styles, companies, etc., the market shift will never be a problem for them. While Microsoft, often seen as the "PC company", is another large corporation, the companies that make PC's possible are not. (Ex. Intel, AMD-ATi, nVidia, ASUS, Gigabyte, the list goes on...). If you really hate Microsoft that much, you can always install Linux on your PC.
I think that people who like Macs a lot don't really know or care how a computer works on the inside, they just want it to look nice and have a user-friendly interface. And that means apple can rip them off because they're clueless.
You're right, Apple is focusing on the portable market, but you know what, the rest of the world is going portable. As more and more people gain the need to take their data everywhere they won't need a desktop. If you look at Apple's new iPod Touch and iPhone you will notice they are portable internet devices designed to utilize Google's applications. That is the future. Microsoft can continue to win at the desktop if they want, but the age of the desktop will come to an end, and the new age of portability will rise. Apple has realized this and is beginning to shift to it.
As I said before, most people don't care about how things work, as long as they do. Computers are just a means for convenience, like a microwave for example. Would you want your microwave to be customizable, require you to install new applications or get updates, and crash all the time? No. This will happen with computers, people won't care about upgrading it and dealing with all that and if you really want to game, consoles are more convenient than a PC is, and even they are offering many new options that a PC has.