[SirLuxuryYacht]

You forgot the last few ingredients: time and know-how. Some can't be bothered to get their hands dirty, or are afraid of breaking something.

Yes, most people don't want to spend the effort fixing a bike.

[jamil7]

I used to do all my own work and repairs but with a few bikes in rotation plus my girlfriends bikes it gets a bit much for one person. I defer yearly tuneups and bigger repairs or upgrages to a proper bike mechanic now.