There is a bit more to it than that. Fuel cells are VERY expensive to make because of the materials used in the catalysts. They are full of platinum and other rare earth components. Some of the more recent research has resulted in designs that require less of those materials, or less exotic materials like nickle-tin catalysts with very complicated lattices that are made on a microscopic scale. But these are all still expensive. I think right now, most estimates put the cost of a hydrogen car at around $100,000 a piece if they were mass-produced. Auto manufacturers never release cost figures for their hydrogen vehicles, because they don't want to lose public support for development when people see how expensive they are, but the estimate for the cost of each Honda Clarity produced is around $300,000. Though, they aren't mass produced, and neither are the fuel cells.
It will take quite a bit of development and advancement to this technology before it is even close to something that would be viable for consumers.
Of course, your point about the catch-22 of selling and fueling hydrogen powered vehicles is spot on though. There will be nowhere to fuel up a hydrogen car, so no one will buy them. No one will sell hydrogen at pumps because there are no hydrogen cars. The only thing that could ever put hydrogen cars on the road in this country would be MASSIVE investments by energy companies, or some type of government incentive to build the infrastructure.
Hydrogen cars have always been little more than a distraction to keep people from thinking manufacturers aren't trying harder to save the world or creating more efficient vehicles.