The majority of iPad users do not need the Pencil or the keyboard. That's who Apple is targeting. For those that are graphic artists, such as my wife who has the iPad Pro, the Pencil at $100 is a bargain and a great piece of technology. People who need these "add-ons" simply pay more. Those who don't, pay less.
I suppose, but I wasn't even considering an iPad without either of those accessories (the keyboard, especially, for taking notes in class). Either way, I will be getting it--wish the accessories were a bit less pricey, though.