My Macbook is 5 years old (purchase date July 06). It suddenly broke down : the diagnostic by Apple is that I have to replace the Mother Board.

My Macbook is 5 years old (purchased July 06). It suddenly broke down. The diagnostic by Apple Store is : I must replace the Carte Mere (Mother Board ?). The repair cost is outrageous ( $800). I cannot afford it and do not accept it. IT tech is supposed to last longer than a mere FIVE years. Even if it is out of date after a year, a computer should not technically fail like that. That is what I cannot accept. Will Apple pay for it ?

Sorry I wasn't clearer ... in the case of an auto, agree that owner wear items/maintenance aren't relevant to the discussion ... what if the electronic dash, for example, dies in 5 years? Unless you have an extended warranty, the manufacturer isn't obligated to repair it for free.
It's unfortunate that the logic board has failed after 5 years, however, it does happen.  It's not unusual for notebook hard drives to fail in 3 to 5 years, too.  You can always ask Apple if they will repair it. at no charge.
As a related aside, if you do repair your Macbook, you should have a good hard drive backup routine, assuming that your hard drive is the original one.  Since notebook drive failures in the 3-5 year timeframe aren't unusual, you've gotten good life from your drive, and you want to be prepared when it does stop working.  

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