This seems like the opposite from what the OP is describing. There is a lot of affordable expertise going around, you just have to find it, and it's extremely frustrating because often you can't!

Almost by accident we found out there's a fantastic seamstress living near us, who does it just as a hobby while attending college. She can fix almost any item of clothing for barely any money.

A friend of mine is a woodwind instrument repairman, and no worries if your 1920 flute is missing a key, because he's a wizard with a lathe and will create an exact replica. Musicians typically aren't rich, so he has to keep things affordable.

When renovating our house, we had an arched doorway made by a bricklayer with help from his extremely experienced retired father in law who was up for a bit of fun and still knew how to make the wooden supports.

Then there's repair cafés, where somehow there always seems to be someone around with the extremely niche skill of repairing a broken vacuum cleaner. Which they will do for free.

And so on. But if you don't know these people or these places, you might pay x5 or x10 for the same service, if you can even find someone to take on the job.