I think you are both (Targhan and SixK) right. In fact you need some cash to start those development cycles, that will sustain themselves after.
Anyway, I think that SixK in the first place when told about mass market, thought about the desktop market, and we all know that MorphOS cannot dominate the desktop environment right now. At the moment there are some niches that can be targeted, like those suggested by Targhan.
Although we, more educated users, appreciate MorphOS also as a desktop system (at least I do, it's by far my main machine). And about web surfing, that I saw many times among the things we need, I think Sputnik is shaping up nicely. I'd like that more than a coder worked on it, though, to speed up the development.

Kind regards,
Andrea