Not everyone that goes to school is 21. I'm 34. I'm getting my Master's at the university I work at plus my GI Bill so I'm actually getting paid to go instead of paying. Plus, I'm an adult with a full time job and a credit card.
It's $7k OBO because you wouldn't believe the low ball offers people give. If you think it's too high, make an offer. Sure you can build your own, if you want to spend the time building and tweaking to get the best hash rate. Took me about a month to get it just right but maybe you have more time than I do. Also, you couldn't even get the cards for $3k-$4k, let alone all the other hardware.
I mean.. you can get the cards for about $3K so lets leave that alone. Even ebay prices you can snag 580's for around $300 buy it now. But i think the real point is, people here aren't interested in ebay prices. We go off ROI. AND since ROI is shit right now, you flat out wont have a lot of people interested unless the prices start dropping. Video-card prices have been quite inflated for the last 6 months, and that is slowly going away.. so naturally people holding a lot of these cards (you), are going to kind of get screwed in the end. Should have sold this two months ago.