If the untrained "you"'s failure rate is above about 25% with the failure result being a merely inoperable but repairable card, it's not an acceptable outcome for most people, who quite reasonably see it as an unacceptable risk.

In practice, it's more like a 75-90% failure rate if you're unfamiliar with ball-soldering techniques, which most are since it's been considered impractical to do soldering in the US since the through-hole days, and so there's not a professional tradesman class to teach kids. What does exist of soldering is stuck in the far past from an electronics manufacturing perspective.

Tl;dr: https://xkcd.com/2501/