You do make a point, a lot of 'keepers' can't afford top-dollar morphs. You have to understand though that prices WILL go down on these animals. There will be a day when most people can afford a pastel. Until that day though, it'll be a hard investment for 'keepers' to make just because they like the looks of an animal.
Like most aspects of life, a lot of the buying that you see are actually investments. Dropping $20K on a snake may seem outrageous, but when you can produce $50K worth of offspring in ONE successful year, that pays off.
Let's take do an example with numbers. Let's say I went out and bought a 2-year old spider. It'll cost me at least $20K. . That's a hell of a lot of money, but let's just pretend (and pretending we are) that I just got a 'backer' who wants to help me out HAHAHA. Anyway, I take that $25K snake and I breed him with 5 good adult ball pythons that say I paid TOP dollar for (I think the $400 level is getting ridiculous, but again this is just an example) and paid $400 for. I then take them to the vet and stuff and in the end, I paid a total of $500 each. That's $20K for my spider and $2500 I have in my normal females. Say they each eat a F/T rat a week. That's pushing it because of breeding season, etc., but again, play along with me. Say I get rats for $1/each (mine average from $.80 for smalls to $1.50 for mediums). That's 5 rats a week for 52 weeks a year for a total of $260. Okay, we'll throw in substrate, some vet visits, cleaning solution, incubator, electricity, etc and we'll say that adds up to $1000. So now I have an investment of $20K (spider), $2500 (females), $260 (food), and $1000 (misc.). That's a total of $23,760.
Okay, I feel like I'm doing my taxes
That's the 'debit' side of the house...now on to fun stuff!
Say I breed those 5 girls and we'll say that only 3 get gravid, which is pretty realistic (if not pessimistic). Say those 3 girls each have 6 fertile eggs (now if I'm spending $500 on females, I'd only hope for more than 6 eggs...again being realistic/pessimistic HAHAHA). Now we have 18 eggs in the incubator. Let's say that we lose 4 eggs in incubation (I'm a moron and let water drip on the eggs or something). We now have 14 eggs that should hatch out. Mathematically, we should get 7 spider babies and 7 normal babies. The normal babies we sell for a dirt cheap $30/each for a total of $200. However, now we have 7 spider babies. We'll say we sell them cheaper than market value for $8000 each (just averaging males and females...we may sell females for $7K and males for $9K, I don't really know). That's $56K!!! Add our whopping $210 and you have $56,210. Granted we'll need to feed those 14 babies, say they eat 4 meals at $1 each (those are some expensive rat pinks) so from our $56,210, subtract $56 so now we're at $56,154 if I'm not mistaken. Deduct from that our 'debits' of $23,670 and we've just turned around $32,484.
Take that to the next level and remember that the next year you don't have the initial costs to recover. So we now only have the food and misc. expenses so our 'debits' are only $1260. Say that the prices of spiders drop to even an average of $4K the following year and we produce the same amount of babies (7). That's $28,000 - $1260 - $56 (food) for a total of $26,684 the second year.
You can obviously see where I'm going with this. Now think of the people that do this same thing 3, 4, or even 5-fold and you can understand a)Why they demand the price they do and b)Why people are buying them.
Sorry for the long drawn-out e-mail, I guess I just wanted to play with some numbers. Before I invest in anything, I draw out similar 'plans' to see in realistic/optomistic conditions, how long it will take me to recover my money. If it doesn't pay off the second year, count me out 
Take care,
Jason @ Jason's Jungle