So you wouldn't mind paying back the FCC universal service fund subsides that help deliver your phone and internet service?
I'd pay them because it would be fair. However, in this particular case AT&T is no longer providing my Internet connection because they scrapped DSL equipment and focused on U-Verse or whatever it is that works only in cities. Now I have a pretty good dish that reaches the nearest tower of Clear.net. I can get up to 5 Mbps down / 1 Mbps up this way, for half the price. I have the land line, but I rarely need it, and I can give it up. (My AT&T microcell at home works over Internet.)
Even city dwellers manage to operate ham radios - VHF/UHF obviously has a lot of activity (and antennas are small and easy to disguise), but even HF is possible if you're creative
The apartment building was full of fluorescent lights, and more were in the street. I had noise at S9+ and couldn't get any signal at all. Perhaps a repeater at 2m would be an option, but there is no challenge in that. Push the button and talk; there isn't much else you can do.
I know people that set up a buddipole outside in a clear area with good results...
I have a Buddistick, and it is pretty good for such a compact antenna. But as every other high impedance antenna, it is narrowband, and it still won't work if there are hundreds of fluorescent lights all over you (in corridors, and at neighbors.) Now I have a proper, full height HF9V, half a mile away from the nearest neighbor, and the difference is astonishing.
take it to the beach for even better results.
It would look funny if you go to a beach at midnight to work some DX at 40m or 80m :-) Besides, that Buddi* won't be very good at those bands (it doesn't support them, IIRC.) Working a 24h or 48h contest from a beach ... well, Field Day, perhaps, but not much else :-) You are talking about an incidental QSO now and then, to test the equipment. That you can always do. But if you are aiming for a bit more, like an award perhaps, you need to try harder. My FT-950 costs too much to operate it at the beach, where dust, salt and heat are plentiful.
If I want to use a machine shop or 3D printer, rather than spending money building my own small shop, I can join a hackerspace and have access to far better equipment than I could afford on my own
That is not the answer. You are telling me why I shouldn't be needing what I need. That's an entirely different discussion. Today you can have a 3D printer kit for a $999. A friend is already assembling that kit. It's not dirt cheap, but hobbies don't have to be cheap, especially if you don't drink and don't smoke (those "hobbies" are far more expensive.) You live only once; spend your money while you can - the last suit has no pockets. Besides, techies like myself are well paid, and I can afford gizmos like that.
Some of my friends rebuild cars - some are in love with old cars, other are building racing cars; yet another friend is a motorbike aficionado. You can't tell them to keep their projects in the club. There are other issues with machines, though. They require careful alignment before you can use them. That alignment takes time, and if you are the owner you know what was done and what was not done, so you don't have to recalibrate everything each time you walk up to the mill. There is value in owning your tools.