That's exactly my point. I wish I could really on people being professional, but I've been bitten by this. Fortunately I also have reliable contacts at this point - people that did good work for me and delivered more than I expected - I pay these people more than they ask and go to them or ask for referrals
Because you would hire a professional plumber with insurance and if it leaks you use your home insurance to cover and damage and then they go after the plumbers insurance to recoup their cost so your premiums don’t go up.
See but the damage is only a small part of that story, time, effort and stress is far worse for me.
You think you are better at installing toilets than the average professional plumber?
No but if I have to watch over the guy and investigate what he's supposed to be doing I might as well do it myself, then it's not worth the money.