if one is listening to music with the intension of finding faults, he will find it. I personally don't find any difference between a high quality mp3 and a audio cd.
Beyond a decent stereo setup, say within 50k all components included, the benefit of someone buying expensive stuff is only to the high end equipment making company who thrive on a audiophile's fault finding missions.
The intention is not to find fault with the music, but to hear the music as it was intended by the artist.
try wav files and mp3 on an ipod, with decent headphones, not the free ones (what u pay is what u get, well, mostly) and you probably will be able to make out the difference.
and of course the guy who buys the system.
extending your logic, why spend 50k, when a 15k mini compo system can give so many features and decent sound quality.