Yes, if you don't value/benefit from the ability to do something yourself, in your own home, then using a service provider makes sense. That's the business Shapeways is in, for example. They buy and operate industrial-grade 3D printers (the $500K kind, which can print metal, ceramic, etc.). And it's great to have as an option - I sometimes use them for the 'final' prints, after I'm done doing the rapid iterative design process on my home printer.
That being said, the home printers are MUCH less expensive to operate than the high-end printers. The high-end 3D printers all use very pricy proprietary consumables, so their customers are kinda getting ripped off (quite similar to ink jet printers). In contrast, the home 3D printers are open, with a highly competitive marketplace of vendors selling consumables. So the end result is that printing at home is much cheaper and faster than printing on the high-end machines, which are optimized for predictability, but are much more expensive and much slower. The result is that the home 3D printer market is innovating circles around the commercial products.
It's weirdly the opposite of printing on paper. Commercial presses are all "open" with many companies selling ink and paper, which are a highly competitive marketplace, while the home printers are all locked into absurdly overpriced, proprietary consumables. But still, millions of people buy home printers because of the value of being able to print at home, and that same dynamic is true with 3D printers, perhaps moreso because home 3D printing is better/faster/cheaper than the commercial printers. The main limit is, like early laser printers, in educating people that they're now empowered to do the kinds of things that they've never been allowed to do. And those transitions are always slo.
But having demo'ed 3D printing for a few years now (Maker Faires, MineCon, etc.) I can tell you that when people realize that they can do "impossible" things, they get quite excited. I suspect that's why 3D printer sales have been growing geometrically now for a few years, and as every generation of printers gets more polished and consumer-friendly and cheaper, the sales keep ramping up.
As a warning, though, there is one home 3D printer company (Cubify) trying to DRM-lock their customers into proprietary consumables (and then rip them off by charging 3x the open market price). Let's hope they keep failing in the marketplace.