Yes. But the buyer has a choice to procure their own RAM. Just like I did when adding another 16GB to a Precision 5530. Dell wanted $300, I got the identical RAM module from Crucial for $109.If you look at the prices for Dell memory upgrades for their laptops the costs are actually higher than Apple.
With Apple, the only choice is paying their price at time of sale, and you're stuck with that capacity.
No idea why you think the Dell server scenario is remotely similar to buying a Mac.