Yes, it makes a lot of sense to blame the user for Nokia deciding to save 0.00001 Euro off a 600 Euro device, by not including a spare stylus. Out of 6 different touch screen devices I used before the N900, all came with a spare stylus.

And my stylus is not firmly placed at all. If I put the N900 in its sleeve stylus side in (which I have to when it is charging), there is about 50% chance that the stylus stays in the sleeve when I pull the N900 out.