The preference of money quite rightly has reasons (in the wrong way if you scratch the surface)
because:

- doing it yourself is harder / needs more learning / space / time / needs willpower and like babies we might cry at the first hurdle
- asking others involves lowering pride /' accepting need (the other ways mask this a bit more / create distance)
- asking others involves their politics and yours and that's a headache unless you think you're good at arguing and not losing it
- pre-approved ways / government authorised makes it easier for people to by no matter the back story on how government got this approval (by force / faux-legal means / subsidy)
- People are already paying more for things and even paying multiple times, but then are happy to get things 'cheaper' on a shelf
- Long distance resources and people damage are a lot easier to hide when further away then your own country
- Countries or people designing for it don't want people to DIY but earn money and tax them

Lots of genuine reasons why money, both people-related reasons and financial... almost always both... which catches up if you imagine accumilation in what we don't personally practice (planting at bit) or leave personally to others (using petroleum to manage distribution network growing false security or that based on Saudia Arabia oil or wherever, some connected to the dollar, just more bad extensions)

I don't claim we can do it all but anyway together we need to do it all else be divided / flanked