1. don't appreciate nice software (it's a rare thing, most programs are considered good if they don't have malware in them)
2. don't pay for software because they're 'smart' enough to use BT
3. don't care a lick about decent UIs because there's inevitably a free/open source program with that skates by on virtue of being free
The OS, as of Windows 7, is damn nice (though the terminal is terrible). The UI of the apps is almost universally bad -- most apps disregard the system UI theme for absolutely no gain, and they end up looking garish. Many apps that target the 'power user' demographic fall into a pit of endless customization, which presumes that users want to tweak their software using components written by random people on the Internet. It's as if no app on Windows is content to just do its thing, it always has to be striving to do more in a thoroughly mediocre fashion.
1. Do appreciate applications that "just work" and are willing to spend time choosing the right apps that suits them.
2. Haven't learnt of BT yet or even if they have, they're willing to pay to save the hassle of checking for viruses, trojans etc.
3. Do appreciate user friendly applications, they'll choose a better looking application with lesser features over a featureful app with bad UI.
Going after this crowd can be lucrative indeed, just ask patio11 ;)
OS X appears to simply have more of a tradition of independently-written, beautiful software.
1.Having multiple tabs which is the killer feature
2.Marketing themselves as a secure and less-crashy alternative.
This might seem like an unfair example(not everyone has Google's or Mozilla's muscle) but the basics are the same for any type of software and given sufficient effort and planning, they can compete in competitive markets with established players.
I do however, expect that as Apple becomes less and less of a computer for geeks (of various types) and more and more of a mainstream competitor to Windows PCs that it will suffer from more of the problems you outline. I've noticed that my non-techy, but Mac-owning friends don't perceive the different between Mac and Windows software in the same way that I do, and many of them also do a lot more piracy than I do. (I don't really pirate software except for Photoshop, primarily out of laziness.)
The gamer demographic on Windows is also a bit notorious for piracy.