In context of your problem there are three groups of people:

1. Those who have so much money they pay whatever is needed, getting screwed by countless middlemen.

2. Those who do everything by themselves full time and overtime.

3. Those who have lots of broken equipment, unfinished projects, and house or apartment waiting to be refurbished.

1.5, not enough skill for 2 or 3 and not enough money for 1 so they own nothing and convince themselves to like it.

2.5, somewhere between 2 and 3.