Perhaps the whole conversation can be made clearer by understanding that, like any art, folks practice bonsai for different reasons. Some to learn the craft and be changed by it, some to win competitions, some to make a profit and a living off of what they already love to do or perhaps any combination of these. The purpose for involvement then dictates how we feel about others who are involved for other reasons. If I'm involved to enjoy and work on trees just for me and have no desire to show them, of course I'm not going to fully "get" why someone else would submit a tree to a competition that they had never seen. Similarly, if I'm trying to make a profit, I'm not going to understand why someone would go out and buy something really expensive when I could probably just collect a tree, style it and sell it for 5-10x as much as I payed to collect it.
We all approach this art form from slightly different perspectives and for different reasons. Is any one of them wrong?...not really. But if we try to look at other's actions through our lens, there will be times when we say, "Hmm...I don't get it!"
Personally, I have a decent job but am supporting a wife and 3 kids under 5 yrs. old (the kids are under 5, not my wife

). I can't afford expensive trees (too many diapers and formula!) but enjoy learning the art and would like to have something that I am proud to show at a state or regional level. Thus, I buy cheap, collect when I can and do my best to learn from others who have gone before me. I can't pretend to fully understand those who purchase expensive trees from others and submit them having not touched them myself but I do it to enjoy the trees. If I had inordinate amounts of cash, yeah...I'd probably have a pretty sweat garden of trees that others had styled and then a stash of some that I'm working on for my own enjoyment. Maybe I'd buy some awesome stock and style it myself. I appreciate both the process and the end product and for the time being, I need a lot more process and have a lot more to learn before I can achieve an end product that I'm truly proud of. Getting to that point (some years down the road) is why I practice bonsai!
Love the journey!