I tend to not use Apple not due to cost (I honestly believe it's OK to pay a premium for quality; I might disagree they offer it today though, as I do use a couple of their devices at work), but because of how closed their ecosystem is (and yes, all my personal devices are running some sort of Linux, and Android phones are rooted and with bootloader unlocked).
Not everyone has the US culture of running their life on credit.
Because when life changes, it isn't only their phone they lose.
The only single time I had a contract, because it was the only way to get a Nokia N70, I learnt never to do another one ever again.
I mostly buy my phones outright too, but I am under no impression that everybody else does it as well.
As a result, quite a lot of people use the "I can't believe they could make and sell an entire phone at this price" Xiaomi and similar phones.
In many places the default is prepaid SIMs with separately purchased phones. Sometimes the prepaying can be automated (e.g. in Russia), sometimes it involves you physically going to a shop once a month or so (e.g. in Egypt).
Faux luxury.
Totally works in the US too on teens, moms, and lower middle class people.
While I can afford Apple, out of principle I am not buying anything above 300 euros, that requires me to also buy another computer for hobby coding, and a dev license.
All my use of Apple hardware is via projects where pool devices are assigned to the delivery team.