Apple charges a premium because they can. As long as people keep saying their prices are justified the prices will not change. In years past I did not even think about the prices Apple charges as being premium. When the iPhone came out I didn't care how much it cost I just wanted one. It was a game changing product. That alone justified the price.
Nowadays it is harder for me to justify the premium prices because there are so many laptop offerings that are just as innovative and many times more current than what Apple is offering.
Sure R&D takes money, time, and resources, but other companies do the same. I've read it takes a Billion dollars or more for a car company to design a new model, yet when the model is released their prices are still competitive based on the competition. If people were willing to pay more because they feel the car brand was "Premium" then the brand would obviously charge more.
Yet even if you factor the "Premium" status of Apple products and try to justify the cost based on software offerings and design costs, that still does not explain their record profits and cash reserve. That can only come from making a huge profit by charging more than everyone else for their products and services. Apple is enjoying its "Premium" status and making a killing milking every last cent out of their customers because we enable them.
They don't give anything away for free. iCloud basic service is free with 5gb of storage which is as pathetic as offering 128gb of storage in their base model hardware. You have to pay a "Premium" to make it usable. If you want to add features it's going to cost you. The cost to upgrade memory, storage, and processors is exorbitant.
Some people prefer to use MacOS, and some prefer to use Windows. The Windows user can get a lot more for their money regardless of whether we "Apple" folks like the look of the product they use. It's a choice and for what it's worth the "Eco system" argument is getting a little old. I can move pretty seamlessly between Mac and Windows. The only things that are not available to me between platforms is Airplay and iMessage. Even that is changing.
As an example of Apple's premium reputation just look at the solid gold Apple Watch they offered a while back and now the credit card. To me this is playing to the customer idea that Apple products are a status thing. I'm reading here that people are treating the credit card as a status thing even though the perks and benefits are no better than any other card.
For my basic needs Apple prices are becoming too high. Not because of my economic status but because the value is no longer there. I recently purchased a MBP 13" mostly because it was on sale. Because of all the perceived problems and issues with the recent and current MBP line they are on sale just about everywhere. Funny thing is to bring the MBP down to a price point more competitive with other companies there had to be some negative press.
Again perceptions can work both ways.
The problem with comparing company margins is that PC companies make inexpensive and expensive models and you can't separate them out. So you are comparing Apple, with a narrow high-margin product line and other companies with low, medium and high-margin products - comparing financial statistics doesn't get the job done with similar products.
Apple makes cheap watches. If you want to look at expensive watches, look at Garmin's Smartwatches:
This is their high-end Marq line https://buy.garmin.com/en-US/US/p/608665/pn/010-02006-00#
They run $1,500 to $2,500.
I have their mid-range Fenix 5+ model and these run $650 to $1,200.
Rumor is that the Fenix 6 coming out has 32-64 GB of SSD and solar charging.