>... even with the availability of all the tools needed.

This is often a first problem, actually. I've had a few times in my life where I've been completely without handtools. Upon first moving out, for example, upon moving out again: After splitting with my ex, and moving to to a new country.

So if I would sit here and start looking at a washing machine that is broken, I have to buy parts, hope it is user-serviceable, plus make sure I have the handtools or buy them. Afterwards, I know there is a bit of risk that I've repaired this badly or that the source for the instructions were wrong. In addition, if I had to replace a large part, I also have to deal with disposal (not all places will take large items often).

If I'm limited on money, there are generally other choices. A used washer from a dealer or a new, bottom-of-the-line washer on clearance or something sometimes runs the same money - plus I get some sort of promise it'll work or be replaced. It might be possible to repair it if there is a repairman in the area, but I'm gonna balance that out with the cost of the other options.

In addition, with something like a washing machine, I have to figure out if I can wait 2-3 weeks on a part. Do I have time to go to the laundry place? Can I afford both the part and to pay to do laundry? Can I do it over at a friends house for a few weeks? If this doesn't fix the machine, can I afford to try again with a another part? (this last statement is often a sore point when folks are fixing their own vehicles).

And this is assuming someone is mechanically inclined enough to do it or try it, if they think it is a reasonable risk (don't want the washer catching fire) and other things I'm sure I'm missing.