@hilde45 , I think (at least for me and my logic), you nailed it.
I don't have $50k speakers, but today I have $6500 speakers and I never thought I'd get here. I can now fathom maybe a $20k set of speakers if I could use them and enjoy them thoroughly for 20 years.
I tell a neighbor friend I bought an amp for $4k and their eyes pop out of the sockets. Someone on the street buys a $70k car and no one's eyes pop out. The amp plays on, while the car moves one more step toward the junkyard each day.