I think every part of what you wrote is fine in theory I think it breaks down in real life for all sorts of reasons. I'm not good at everything but I care a lot more about the outcome than anyone else. I also know that I am very fotunate to have a massive capacity for learning which does make it all the easier for me to help myself.
I've been badly let down by the medical profession on many occasions. The last one was going to the doctor about finger pain and being told it was wear and tear.
Other groups that have let me down plumbers, electricians, mechanics, gardners etc.
Most knowledge is available to us nowadays and the truly skilled labour needed rare. Things I need others for. Surgery, playing instruments other than the ones I've practiced sufficiently, heavy lifting, things that require sign off (I get a spark to sign a piuece of paper saying my work is OK) etc.