Changing a pad/disc/caliper isn’t “hard” but it’s time consuming and very messy. Most people probably don’t find spending 2 hours getting the car jacked, tires off, etc to be a good or enjoyable use of time!

I wish it took 2 hours. For me it's spend 2 hours shopping for the right part, finding it for a good price, and ordering it. Then spend an hour watching youtube videos for how to do it. Then spend 4 hours gathering the right tools, getting the car jacked, tires off, etc., then put everything away, and clean up. That's the best case. I could get the wrong part, my car looks different than the videos, I do it wrong, or break something. I recently replaced my front brakes. I maybe saved $400. I'm proud of myself. I kind of enjoyed it, but it's hard to justify.

A lot of people here are probably equally proud that they built a a DIY PC from scratch which I did many times. But just don't have an interest in doing any longer and screwed up a bunch along the way.

I also choose not to mow my lawn at this point. I'm perfectly capable of doing so but just prefer not to do so,