I completely agree. I tinker and change my PC to parts because it’s fun. Did it make a difference to performance? Kinda. Was the effort put forth because of performance alone? No. People like making Legos and just put them on a shelf. There are consumer products where the customer is paying to do the work themselves for little gain above the fun of the journey. Why wouldn’t it expand to many other areas? And if there’s not enough people willing to do something, make it worth their while to fix it, but that’s already a problem and UBI isn’t the big smoking gun people claim it to be.