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I will also add one thing. It does depend on how much money you have . In modern world what you realy pay for is convinience. So if you dont want to make soap( im going with this example beacuse it arguably the most extreme ) because its cheap and not worth your time than buy it but if you live in a 3rd world country and need to save every penny than go for it. Likewise there is no need for you to cheap out on some subscription if you have steady income and milions of $ in the bank account
But why do we really need convenience, right? I agree there is a real argument for outsourcing labor to a more specialized group, but honestly a lot of the time we trying to save hours or minutes so we can spend more time and money consuming some bs to fight our boredom.