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It's also pretty clear that you're not considering all the problems with providing a caveat emptor service. If I meet you down the pub and agree to do your electrics then 2 years later your child dies because of a fault in the installation, am I going to get implicated?
No electrician wants to be lying in bed at night worrying about the dodgy wiring they've installed to save you some money that could bite them in the ass. Believe me when I tell you there is already plenty of pressure in the commercial market to cut corners.
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And yet they have a clear conscience charging £2k to stick an extension lead behind some plant pots.
If they were saying “we’re going to do this job properly or not at all” you’d have a point, but it sounds a lot like they want to do a half-arsed job and charge full rate. That doesn’t indicate a healthy situation to me.
I think it should be a case of caveat emptor. Reviews, personal recommendations to find the most skilled people. But regulating who can and cannot do certain skilled tasks always pushes the prices sky high. Even for those other roles you mention.