Carp, nobody outside of a few game developers, MS, Apple & Adobe sells package software anymore (and by nobody, I mean it's hard to find outside an Apple store). There is very little to no packaging costs.
Setting up a web site costs all of $20 per year and a few hours time for most of these developers.
Accepting credit cards does not require a $3,200 investment. Jaz wasn't looking in the right place if it did. It costs per transaction, but there is little to no setup fee with most web hosts.
As far as marketing goes, you simply send license codes via email to a dozen or two Mac-related sites for review purposes and the rest tends to take care of itself if the software is well done.
I think you drastically overestimate how hard it is to do all the stuff beyond the coding of the app.
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