UK/EU has had contactless payments via our bank cards for about 2 decades now. America caught up eventually some years later
When phones got the ability to act as our bank cards, it made sense for them to use something compatible with the same technology that was already deployed
Funnily enough, America (and I guess also Korea, given the companies) dragging their heels on standard contactless is one of the main reasons why Samsung/LG briefly put out a couple of generations of phones that had a magnetic stripe mimicking payment feature in addition to standard NFC (https://en.wikipedia.org/wiki/Magnetic_secure_transmission)






Apple is big enough they could definitely do a $300 box if they wanted to
They wouldn’t get their usual margin perhaps, but remember the neo macbooks are primarily a way of them using up a large number of processors that otherwise don’t have a product to go in, created as a side effect of their main product line.
Mac desktop users (and frankly, many average consumers) don’t seem to care about flexibility, because they already have the fairly successful mini and studio desktop lines which have very little flexibility out of the factory compared to a regular desktop.
I can definitely see schools and offices wanting to take them up on a cheap desktop, so it’s not like the volume of sales isn’t there. I think the main thing stopping it, based on some of the reports following the MacBook neo launch, is they might not have enough of the dud iPhone chips to meet demand. Of course, spinning up a whole manufacturing run to make chips for Neo machines defeats the entire purpose of them existing in the first place, so maybe they wouldn’t want to stretch the resource by asking more SKUs that use it.