Yes, Jack Vettriano gets people hot under the collar, but I sort of like them, well, in moderation. But yes, art is posh. Then again, if you get something that isn't, and I don't think 'My Bed' is posh, then people shout, not art.
I'm not sure art being posh equals money. It's more art being posh equals me getting it and you not; it's intellectual snobbery. So 'My Bed' actually becomes posh because the plebs look at it and go, 'but my kid's bed looks like that.' But I know it's art, so ner.
Incidentally, I'm not saying that this applies to you, obviously - 'My Bed' just seems to be the example we're using. As it happens I do get it too - it doesn't necessarily appeal to me and I haven't engaged with it a great deal but I see the sadness that went into its creation.