Certificates are indeed expensive
Not having them can be more expensive. Think lost business because not trustworthy.
It's about building a chain of trust and showing that you are among those who make the effort. Of course, the fact that there are self-signed certificates kinda defeats the point, but then again, it can be argued that self-signed are just as valid as CA-signed, especially when CAs goof up and do stupid things. Errare humanum est and all that. For Joe User it must be impossibly confusing.
The fact remains that we are in dire need of knowing who to trust and who to be cautious about in the Wild Wild Intertubes. This certificate thing could help in the long run.