A&P's (Airframe & Powerplant mechanic) don't usually charge any more for their time than an auto shop. In fact, unless at a very large, busy airport, A&P's are usually _cheaper_ than a decent auto shop.
As for an IA (Inspector), most of the professional aviation mechanic types at small airports that I meet are also inspectors.
Owning and operating a small airplane really isn't that expensive. Getting the training & staying current adds up a bit. Flying for 15 or 20 hours per year isn't enough to operate an aircraft safely in a variety of conditions. If one never leaves the environs of a small airport I suppose 20 hours a year of flying would be a bare minimum.
Honestly tho, my rough estimate is that roughly only 25% of the people I meet are mentally capable of piloting an aircraft or assessing risks & making decisions in a safe manner.