In 1979, when I emerged from years of schooling and started going to various jobs, I used a bicycle for transportation, to keep my overhead costs as low as possible. I became my own mechanic because I had access to good instruction and I could maintain my vehicle easily, even in a rented room or a small apartment. My expansion into racing was a matter of convenience. I owned a sporty bike and was riding a lot. Why not compete a little?
Competing a little soon answered that question. Racing can mess you up and destroy your bike. It's like taking the family station wagon to a "run what you brung" event and wrecking it because you're not as good in the corners as you thought you were. But in the case of bike racing you could end up unemployed for eight or ten weeks because you crumpled more than the bike.
Regardless of the odd mishap, it was very affordable to build a bike, and another bike, and another bike... I only went to a shop to buy parts, tools, and bike-specific clothing and shoes. Required maintenance was fairly quick and easy, even if I had to do a complete overhaul. I soon learned to do the overhauls in stages: hubs one week, bottom bracket another week...
Among the useful changes to componentry in the 1990s, Shimano (yes, that Shimano) provided sealed cartridge bottom brackets that you can basically ignore for years. Of course they've "improved" cranks and bottom brackets since then and made life more expensive and difficult, but you can still get the BB UN55 if you have ancient, contemptible square-taper cranks. If you're not such an animal that you can feel how much power you're losing because you don't have a big, hollow crank axle, you can still have hours of fun for a minimal investment.
Early adopters of the bicycle in the 1890s discovered this concept with the simple machines of the time. Up front cost was a bit steep, but ownership cost was quite low, as long as you didn't hit a pebble and get slammed into the gravel from high atop your wheel. Heck, even then a low-budget rider could crawl off and lick his wounds, healing like an animal, much as the uninsured do today in this great land of ours.
Even a simple bicycle can suffer damage beyond the ability of a home mechanic to repair. I've had several frame repairs done by my friend the torch wizard. Without her skills, I would have had to find someone locally or, more likely, have scrounged a frame and transferred parts to it. You'll find frame builders in surprising places, so it's worth asking around. Steel frames can be brought back from some pretty drastic looking damage. Expect to pay for that. Scrounging is generally cheaper.
Carbon frames can also be repaired. I still don't want to deal with carbon's idiosyncrasies, but at least it isn't the disposable material we were led to believe it was as it was emerging as the dominant choice in high performance bikes.
The more moving parts in a system, the more things there are to wear out. The more proprietary parts, the more you depend on a manufacturer to provide replacements. We don't have the after market parts network that automobiles have. You can't just nip down to the parts store and give them year, make and model.
The more complicated the bike and the more it depends on perfect precision, the harder it is for the home hobbyist to cut out the pros and save money by doing the work themselves. You will need to pay the repair shop and wait for them to get to it. Sometimes it's quick. Often it's not, especially during the season when everyone wants their bikes. For every sophisticated function that you gain, you lose independence. You lose accessibility. You lose the durability that simplicity brings.
Humanity voted with its wallet for this. Increased expense and complexity won the popularity contest. Everything costs more because most people were fine with it. You own it now. Can you afford it?
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