I don't need privacy, so it would be financially imprudent for me to spend 20 grand on such a machine. But I have a financial management client who does need such privacy, and if I get more fully engaged with them then I would be able to justify getting a loaded Mac.
Unless you need privacy for your inference this instant, paying for credits can get 80 to 90 percent of people everything they need.
Of course if you do need that privacy, then forking the $25K over to Apple is a no brainer.