This makes no sense as others pointed out. There are times to make repairs yourself - such as when you think you can do a better / more nuanced job than a "pro

This makes no sense as others pointed out. There are times to make repairs yourself - such as when you think you can do a better / more nuanced job than a "pro" or when acquiring the skill can pay dividends over a long period (eg once you learn to change your oil and rotate your tires, you will have the option to never pay for it.) Taking on the injury instead of letting a pro handle is is explicitly NOT the reason to DIY! Presumably the pro has done that thing many times and survived, and even if he fucks up that's the risk of his job.