>I.e. refuse all insurance and just bill for their time (and supplies)? The same reason all licensed <trade> in your area are about the same price for the same

>I.e. refuse all insurance and just bill for their time (and supplies)? The same reason all licensed <trade> in your area are about the same price for the same work. They paid years of their life into a system that lets them bill exorbitantly. They're not gonna undercut it. And if they are they're only gonna do it enough to get enough volume to keep them busy, which isn't much.