Indonesia is big, and the foreign embassy usually only located on the capital, Jakarta, or other big cities.
It is hard for me to travel to country that require a visa because I, first have to travel to the capital, this already took a whole day off work, and also expense of travel, then either stay in the capital (more money for rent) or go back to my home city, then back again to the embassy once its ready (another money and time spent for travel).
The problem was not the money or time, the problem is that we cant be certain whether our effort will yield result (e.g for me to travel to the capital, say 2 times and say 2 night hotel stay, would be around $300, also around 4 days taken from yearly leaves).
Considering that, I’ll just visit visa-free country for now.