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The maths changes if you're working for yourself. Because I live in Europe, I've ended up working as a contractor due to the lack of a legal entity in my country. While that mostly sucked for a bunch of reasons, I was able to get a 64Gb Mac M2 a few years back with approximately a 52% discount, which was kinda nice.
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If you're working for yourself paying monthly is exactly the same as amortising an asset. Personally I'd rather my business just pay $100 a month than have to deal with additional hardware and software maintenance while using a depreciating asset that is break-even after 3-5 years depending on the spec.
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Bottom 50% aren't paying for Claude either, probably also don't own PCs or write code
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Yes, because the bottom 50%, mostly impoverished or near impoverished folks were spending money on Claude Code subscriptions instead /s
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