A good Kryptonite U-lock and cable cost less than $50 together. We here sometimes get carried away with what is necessary and what is preferred.

The difference is that to regulars here, it is also a hobby. To others, for example the folks who show up and want a decent bike for $100-200 it is way out of line to buy a $1000 bike or even a $600 one. For basic transportation, it is overkill.