It's not actually as difficult as you think. The chip itself is likely just a few bucks, and it takes about an hour to make such a repair, so plenty of shops are happy charging a couple hundred dollars to do this.
That's because if you have a schematic, you can build a diagnosis flowchart from it, so all you need is to know how to use a multimeter and you can follow the flowchart. If you can't figure it out from there, you cut your losses. Then the skill remaining is to be able to hand-solder SMD components - it's not an easy skill, but there are plenty of jobs that pay worse for harder skills and not many places that will pay you well for it (if you know one, I'm all ears).
You don't need to be particularly quick either. Such a repair for a really good technician might only take 20 minutes, an average one maybe 1.5 hours. At 50$/h, with a 50% success rate, you still make 150$ of expected marginal profit if you charge 300$. And of course many repairs are even easier. However most places pay around 25$/h and just ask that you have a high school diploma and some soldering experience.
But the fact that you just can't buy parts means that you need to buy donor boards, and that doesn't scale well.
Total bullshit. It takes more than 20 minutes just to disassemble and reassemble a laptop to get the motherboard out without damaging anything. Diagnosing the failed component can be quicker in some cases (eg. scorch marks), but checking the extent of collateral damage isn't that quick. A more realistic estimate would be about two or three repairs per day, unless you want to complicate things by stipulating that all the less skilled parts of the process (disassembly, fetching replacement parts reassembly, verifying repair worked) are to be done by a less skilled technician and only the actual board inspection, probing, and rework are done by the skilled technician. And then you have to consider that such repairs will never have a perfect success rate, so you need to be able to regularly eat the cost of wasted time on failed repairs while still keeping the cost of labor and maintaining an extensive parts inventory cheaper than the cost of a new motherboard.
Here's a video where they remove and put back a MacBook Air motherboard in 13 minutes, on camera (https://youtu.be/Sk8kj_y32mU?si=4fUoXux_zLIGg-9B).
I already took into account a pessimistic 50% repair success rate at a salary double what most shops pay.
So then you have another 20 minutes to diagnose. If you can repair 50% of boards that make it far enough that you need to dissassemble for diagnosis and then you take an additional 30 minutes to do the repair with 50% success rate, you're spending 3.6 hours per repair, which is perfectly fine if you're charging 300$. These are pessimistic assumptions too - you often don't need to dissassemble the board to diagnose it, the person disassembling the board doesn't need to be paid as much as the person doing the repair, and you'll probably have a better than 50% repair success rate.
MacBook Air. Damaged charging chip. Laptop runs fine on AC. Battery is at 100% health. It just can't be charged (this is the summary from Apple after diagnostics).
Fine, I think. Maybe what, $2-300 with parts and labor?
"That will be $890 if you want to repair it. Maybe we can talk about getting you into a new Mac instead?"
$890. To repair a $1,100 laptop that is functioning perfectly other than being able to direct energy into a battery.