I don't think most people who build PCs have any idea what they need for how little they'll really end up doing.
My old roommate built a RIDICULOUS 3-monitor, 16GB, crossfire/dual video card joint...spent like $2000+....and he browses the internet.
That's honestly all I'm really trying to say. People get caught up and then want to blame everyone else for spending too much money (see MMS)