Enough developers want to hack on their own tools that the market is smaller than you would naively expect, counting the number of developers and how many tools they each use. It's a bit like asking "how come we're having so much trouble selling our extended warranty to professional mechanics, even though professional drivers buy extended warranties all the time?"
The real reason is that there are free alternatives. For many people, “free and open source” is the same as just “free”.
Again, I can fix most things on my car. I can afford the tools needed. But I don’t want to because opportunity cost.
One thing I have always found weird is the whole, “hey can you look at my computer? It is all slow” is considered okay to ask anyone in IT, but it (at least in the circles I was raised) inappropriate to ask a mechanic in the family to work on your car, the accountant to do your taxes, the plumber to replace your toilet.
And even with mechanics, some like to work on specific cars as a hobby, much like an engineer might want to play around with ML and work on a CRUD app for pay.
Think about having a friend who is doctor. We might often just ask them hey I have this pain in the neck what do you think could it be? It is not seen as asking them to work for you but merely asking for advise, like you might ask any friend. Advise is free right? And the person asking you for advise is happy to give their advise to you if you ask them. Reciprocity!
The problem with the computer MIGHT be very easy to fix if you know how to fix it.
But if you accept their invitation to help them then you don't want to just give up after 10 minutes. It would make you look not smart if you could not help with the problem after all. You have been hood-winked into working hard to look good.
The worst part is if you do something to their computer and some new problems appear later, you will be responsible.
I think family mechanics and accountants do get asked for help. Plumbers maybe a little less.
I think there's an accurate perception that IT work is generally air-conditioned and doesn't involve physical danger or sewage, so it's not as big of a deal to ask for help.
Simple. I told my parents if they buy either a Windows computer or an Android device, I couldn’t and wouldn’t help them (yes they can afford Apple devices). During the height of Covid, my dad had emergency surgery and I didn’t want to go see him when he was already weak (he’s better now). I sent them an iPad because it was much easier to use with FaceTime than figure out which badly integrated video calling solution that Google was pushing this week.