I think part of it is that some DIYers don't comprehend using tools for a living and just exactly how much abuse they need to endure.
I have less expensive tools (cheap) and that's why I bought them, I know what their longevity will be. Great for occasional use but there is no way they will endure working all day, everyday. Cheap tools tend to reveal themselves quickly.
A Snap-On, or other top brands are professional tools, they need to withstand just about everything, if they fail, the user is losing money. There is a premium price but you're paying for the tool not to fail and in the event it does, it gets replaced for free.
There is a reason I can get an entire ratchet & socket set from Harbor Freight, for less than the price of a single socket from Snap-On.
I have no complaints having used Snap-On tools professionally on and off for 40+ years