You can easily buy more bike for less money. They are a bit of a status symbol. But some of them are works of art. You pay extra for the styling. So those who buy them are either rich and money isn't an object or the type of person who really loves the look or the type of person who wants to be seen riding a Ducati.
After a certain age most anyone can get a loan, so unless the guy has the house and cars to go with it, he probably just really wants a Ducati. In a way it is the younger version of the kind of guy who buys a harley.