This is 2013 and we live in the richest nation in the world
Actually you live in the most indebted nation in the history of the world. ergo, you do not live in the "richest nation in the world" despite what your politicians would have you believe.
Yup, that too. But self support is fairly painless as well. It is also pretty impossible to fuck your Mac up by doing a boot-from-internet reinstall and time-capsule restore - there are no drivers to worry about, you need to go out of your way to wipe the disk, etc.
Time machine, for all it's faults (speed mainly) is some of the best software I have ever seen, in 30 years of using computers. It doesn't get in the way, doesn't require un-necessarily complicated set up and just works. It's pretty much seamless, almost "magic" to the end user.
This is a major gap in every other end user OS at the moment in my opinion. Most backup software just plain fucking sucks. Including massively expensive corporate backup software.