AF is probably Abercrombie & Fitch...
And no, $20 is not bad for a t-shirt at all...
Do you question the price of everything as such? Must be very fun to hang out with... do you have any idea how the typical model of sales for anything goes?
Lets see... pick a product.
It gets manufactured for "x" dollars
Manufacturer marks it up to "2x" , to cover costs, advertising, salaries, etc... whatever. It was made for $1, he sells to distributors for $2.
Distributors want to make some money too, so they buy for $2, and sell for $4 to a wholesaler.
The wholesaler sells it to a retailer for $8
And, your retailer sells it to your for $16.
From $1 to $16, just like that.
This is a very simplified example, but I too get tired of hearing people complain about pricing. What about the time to build a webpage, market your product, travel time and hotel fees for going to events... all of this stuff is time spent that someone needs to get paid for. You'd never buy anything if you constantly compared the cost of manufacturing the item vs. the selling price. How much does a pair of Nike's cost to make, maybe $7 tops? And what is the actual value of a fine $2000 hand made cue? It's just a bunch of wood really, raw materials maybe $150; so should it only sell for $250 - because that's what you think is fair? ... you pay for the ideas, abilities, and talents of others sometimes, it's just life. You have an option to buy if you want, no one's forcing you.
I'm too tired to explain better now, but relax - $20 ain't bad for a t-shirt. If you like it, what's so bad? Don't get a cheap shirt; pay him $25 because you like it, and enjoy the smiles your friends get off the cool new shirt you just got... all the ideas and efforts of other people for a measly $25.