I bet Jamo has even more money at their disposal to invest, and Bose even more .... Do they make better speakers? Do the economies of scale work there?
My own take on this is that the principles of loudspeaker design are well established. Very little completely unique and groundbreaking technologies are being researched by these companies. By this I don't mean simple extensions of technologies - I mean new paradigms.
As an example of what I mean by the principles are well established have a look here -
http://www.audioxpress.com/reviews/media/AX201DA.pdf. What in this speaker is not analyzable? What cannot be understood and modified by anybody with a sound understanding of the basic principles?
There are guys out there - Scientists - like Joe D'Appolito - who do the research. If you google him you will note a topology "D'Appolito configuration" which refers to MTM configurations. Other manufacturers rely on his public work. B&W analyze his and others work in the field in creating their designs.
Larger companies are subject not only to economies of scale in a positive way, but in a negative way too. If I build a set of speakers, my labour is free, B&W have to pay somebody to build their speakers, transport them, sell them, keep them repaired under warranty.
Yes, you can build something for the same or less that will sound as good, but will possibly be of higher quality, however it will take significant personal effort. For some that effort is a joy - for some not.
As far as DIY car's go - AC Cobra ....