Some desktop apps are like that: you need the CD-ROM for clipart etc, unless you have the onboard space to put it.
But I agree... a buyer who's totally clueless about technology, and doesn't intend to learn any, should probably stick with something simplistic like an iPhone for now.
Not at all. What it means, is that it has a level of functionality above what the iPhone provides.
As I noted when it first came out, Apple's design choice of only allowing built-in storage was not motivated so much by making people pay to upgrade (whereas on other phones, you drop in more storage)... but to make life easier for their OS programmers and users.
Removeable storage cards have been a pain for mobile OS's to handle since the beginning. There's no clear and easy way to divide them, although Android is trying.
The user has to have at least some brains involved. Just like owning a stick shift, or a really nice home theatre system. There's no reason to dumb down everything in the world (as they've done in schools to make everyone pass), nor to try to always target the least common denominator user.