Thanks for posting this - I have the same question. Seems to be a strong opinion a bike has to have at least Tiagra or 105 quality components or all kinds of bad juju will be waiting for the hapless rider...like dragging a boat anchor, parts wearing or breaking at an exponential rate, poor shifting... I really don't get it. Seriously, I do not understand.
And as no1mad said, "Most of the completes are sold to people who want the frame...So those people settle for a frame that is worthy of upgrading over time."