Yes, but what would the price of the HTC have been if they didn't have to include the license fee for the maps with voice directions? That costs money whether you like it or not, and therefore if it's being included in the device, it's going to be part of the price tag somewhere. HTC doesn't make the maps, therefore they have to pay a licensing fee to somebody in order to put them on their device.
It's nice that HTC bundles some voice navigation, but that makes them the exception, rather than the rule. RIM took a monthly subscription-model approach with the BB 8800, and of course Nokia works much as I just explained. In both cases, you get the maps for free, and even the basic navigation -- it's the voice commands that seem to cost the money.
If you're buying an actual dedicated GPS device for a car, of course you expect turn-by-turn voice navigation, since that's what the device is for (although it should be noted that a lot of lower-end personal GPS devices don't include this). However, not everybody who is going to buy an N95/E90 wants to pay an extra $200 or so premium for bundled maps on a device that's not primarily a GPS.
It's also important to keep in mind that the N95 and E90 are still primarily European phones, so the choice of maps to bundle with the device creates another complication.
Personally, I'm happy to pay for the maps I need, when I need them, and not have had to pay an extra couple of hundred bucks for a device that was already quite expensive, and possibly would have included maps I would never use anyway. With the E90's voice navigation packages, I'm pretty much covered wherever I may travel, and can buy the voice navigation packages on-the-fly right from the device itself.