Like I can realize a PCB prototype in my apartment (or rather, my parking lot without telling my landlord), or rent a CNC machine at a makerspace/public library to do it. If I need the thing fabbed with a nice solder mask and silk screen, I can have it made for < $20 domestically with under two weeks lead time. Component sourcing is even easier.
But where do I go to have the chiplets I need for the circuit? Organize the logistics to ship them to the clean-room where they can be packaged on this fabric? How many widgets do I need to ship for this to be viable, or for the contract fab to not laugh at me? How do I prototype? How long is the lead time?
It just seems like there's a lot in the way of this being viable for run of the mill projects.