For me, it also costs less than the 2 hours I have to spend contacting them, letting them into my house, deciding what I actually want (instead of just winging it), etc.

The tools keep costing less and less, as they're used over and over for projects. I haven't bought a new tool in a long time. Perhaps the exception is the specialized little tools needed to work on my bicycles. But even there, I can either fix it myself during my off time, or fit a time into my schedule to take my bike somewhere and then get it back.

There's work that I don't do. We all choose our battles.