Rapha, nice but a bit pricey?

For a fat banker doing 1 lap of richmond on a sunday, the only difference will be he will feel even more of a loser when a 65 year old bloke wearing 80s club kit passes him on the hills and still has enough energy left for a cheery "good morning"

that argument is beneath you.
that fat banker will get enjoyment from his Di2 drivetrain, and enjoy his cycling. it really doesn't need to go any further than that, does it.

Plus, if fat bankers all stop buying high end cycling kit because they are not worthy,then there will be no more high end cycling kit, because no one else buys it in any kind of worthwhile numbers.