Yeah, but drop the 4TB hard drive for a 1TB hard drive, and you're down to $3,899.00, which is just about what you asked for - $2,800 less. That $3000 is just for the insanely large hard drive and, from what I've read, that price increase just about matches up with the rest of the market.
And the prices on the SSD don't just get you an off-the-shelf Samsung SSD from Amazon, we're talking the fastest SSDs on the market by an absolutely massive margin.
Which aren't in laptops anywhere so it's pretty irrelevant in this instance. It's also the case that the T2 chip is running real time encryption/decryption on reads and writes.