The only part of the story that rings true with me is the "disposible income" argument. As we are guided through the managed decline and the gaming demographic that used to have disposable income are instead buying healthcare for their elders and paying off student loans to keep the faculty pensioners in vacation homes while dreaming of leaving their childhood bedrooms by 40, it is easy to imagine the cost to build out a capable rig being too high.
Beyond that it's crap; folks have been building, upgrading and fixing their own machines based on review articles and item specs found at Newegg et. al. for decades now. I see no evidence that the task is any more difficult today, and there have always been perfectly workable alternatives for the "sausage finger" cop-out types that can't handle it.