I think its less about money and more about network capacity and also ensuring your average mac user can leave it on without running up a surprise bill. Until users have good control with sane defaults it wont happen
You can buy a Dell with a cell modem. It’s more likely about the patent/royalty situation with Qualcomm. If Apple starts making their own cell modems, they will start putting them in laptops.
I remain unconvinced that it has anything to do with Apple thinking about the user’s mobile data bill. Watch what happens when Apple is no longer entangled with Qualcomm royalties.
Though I do like the idea that this is why tethering to my iPhone is so flaky. It isn’t due to bugs, it is because Apple cares about my mobile data bill!