Last time I worked in finance, the typical 2U machines that we ordered were configured by IT with 256Gb by default unless we said otherwise. The typical workload was data analytics, and when you've got lots of cores, you get through RAM pretty quick for those sorts of workloads (and any spare caches data which is also useful).

Home machines are typically consuming rather than producing stuff, so it seems reasonable that the RAM hasn't leapt ahead, since typical workloads aren't memory bound.