LOL. If you're a row cropper, you're running a big combine. Several grain trucks. Lots of expensive gear. Gear breaks down, that's why you buy something reliable, that has techs in your area who can fix things quickly, with a parts network that stocks stuff from decades back.

Farmers are self-sufficient in incredible ways, but maintaining a multi-million dollar combine is pushing it. They can do oil changes, filter changes, replace consumables on implements, and do basic trouble shooting, but there are limits.

And yes, time does matter. That's why farmers tend to help each other out a lot. Field catch fire because you didn't clean off your combine the previous day? It's going to be your neighbor coming out and helping firebreak your field so you lose 5 acres instead of 500. Can't afford to have your own sprayer for fertilizer, etc? You hit up the co-op.

And farmers have crop insurance. Doesn't make them whole, but the idea that they're going to be eating dirt if they harvest a day late is silly.