The $28 drive is on clearance (we bought those same drives at my previous job, and they definitely were NOT $28). They go for $159 used. If 1 TB HDDs were that cheap, cloud storage would be a thing of the past.You post an example of SSD being 5 times more expense than a HDD.
Apple will charge for value and cost. A 1Tb SSD is both much more expensive and much more valuable to the customer.
If you need large amount of local storage, Apple will charge you a lot and you can't win this.
What I was comparing is the top right SSD to the HDD in the bottom left, and just for fun, even the NVME SSD in the bottom right.
A MyCloud Duo would be more valuable than increasing the storage in a new Mac. That gives me best of everything since it is cheaper storage that behaves like a cloud service, but everything is stored at home. Also, since it’s a pair of drives in RAID, you’re protected from a single drive failure.