I see exactly where you are coming from and you are 100% right; so long as Apple maintains a high price point then Mom, Dad, Uncle Joe, etc. are going to not choose the Mac due to the "Apple Tax."
My only point has been that Apple is perfectly justified in ignoring the needs of Mom, Dad and Uncle Joe if they choose to. If they don't offer a product that is the right fit at the right price for the consumer then that is their choice. In Apple's case (financially speaking) its seems to be a very profitable decision.
Excellent point as well.
Apple doesn't need to offer anything to anyone. They could offer just ONE model if they wanted. Clearly though, their products have very wide appeal on some level. Look at customer satisfaction figures, year after year. Tops on Amazon, etc. Among the smallest in computer sales contraction in this economy. 35-40 million OS X users. Gains in education, etc. Apple's target market seems to be getting just what they want, or otherwise quite happy with what they're getting. And for years now. And overall, they're no more right or worng than anyone else in their choices.