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Because a large part of that price is actually due to the convenience. Sure, there is still a large markup but it also has to pay for the rent at that convenient location, the people preparing it for you, the equipment and maintenance, the energy bill for keeping the lights on and heating, insurance, etc. etc.
None of those things apply when you make it at home. Costs for a supermarket are also much lower per item, cheaper location, less personnel needed to sell you a bag of beans and a whole cart of other stuff vs. preparing a coffee.