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Now you're not that different to the bike shop with stock on the shelves.
Agree - and then it’s quantifiably different to purchasing materials for a specific job as now you have working capital tied up as well as some risk of obsolescence / spoiling or whatever.
Much easier to justify some mark-up / retention of trade discount in that scenario.
This is where it gets murky. I don't do much running off to get stuff any more but it used to be pretty acceptable to have to go and buy materials for the job at hand and that's all time on the job.
What happens when you get more used to your job and the material requirements, you start to turn up with a lot of what's required. In this case you've ordered it on the internet or picked it up in your own time.
So maybe you keep a box of TRV's, 150 assorted elbows, reducers etc. Washers and all that. Now you're not that different to the bike shop with stock on the shelves.
If you quote for a heating system and the quote is accepted you turn up with the radiators that you've priced and the price has been seen and accepted. If the client wanted to supply them because they think they can get equivalent cheaper and then they provide lesser quality or fail to provide it on time. That's what can cause complaints.