Last week, here in the US, I bought a decent laptop for $40 from the pawn shop. It was marked down to $40 because the battery didn't work (it worked fine on the charger) and there was cosmetic damage to the underside.
The US is a country where nearly everyone has a computer in their pocket that is thousands of times more powerful than ones in the 1970's.
If I recall correctly, Woz hand-assembled his early Apple software. That implies he did not have access to a computer running an assembler. Hand assembling code on notebook paper is tedious, but is certainly possible.
By the late 70's, there was a Byte shop within walking distance with many different PCs one could buy, and a heluva lot did and started businesses. Apple and other PC makers' success did not come from selling computers to the 1%.
Similarly, "all you need is a computer" is still very much an indicator of privilege on a global level. Good luck if you live in a favella in Brazil or slums in South Africa or India. It is easier than it was in the 70s, but by no means universally available.