Earlier quoted context omitted.
It doesn't involve credit cards as xcode 3 is still freely available. If Apple does not include the developer tools on the Lion DVD, and if they remove all free versions of xcode for download, then I don't doubt someone will package up the "build essentials" for OSX and make them available. To date there has been no reason to do this, but if there is a reason, there is nothing preventing it that I am aware of. edit:…
Xcode 3 doesn't solve the issue of it being a real pain in the butt to install. gcc by itself is much, much smaller and much less of an issue for a casual user to install.
A casual developer might be a different class of user ... but anyone who hits the point of writing code & installing libraries instead of applications has adequately stepped outside the role of user.
And even granting that, it is still not a firm enough basis on which to argue such an inflammatory statement as "OS X is not for developers"--when the casual developer is far better served by OS X's included toolchain than s/he is going to find in a default installation of Windows/Linux counterparts.
OS X is not "for" developers when it begins removing the tools that create the lowest barrier to entry for casual development I've seen in a default OS installation in the last 10 years (except maybe Gentoo Linux, one of the most "for developers" systems I've had the pleasure of using).