Is a really nice fountain pen worth a couple hundred dollars actually 2000 times better than a bic? Is a collectors vehicle safer, faster, or more practical than a modern one?

The difference is that collector vehicles are not seen or advertised as having higher safety than a modern vehicle and a fountain pen is not seen as being more convenient or even as reliable as a bic.

(Certain) Audiophiles regularly confuse people not part of the hobby, convincing them that they need a fancy cable or else their equipment won't work. Monster cables preyed on this for years.

You don't see people doing the same for buying a pen. Nobody goes to a store intending to buy a bic and accidentally getting talked into buying a mont blanc.

If they didn't prey upon those not interested in the hobby, then I'd agree with your take.