God that was hard to read.
So let me get this straight you're unwilling to pay because you would do it yourself if only you actually had the necessary skills to do it?
Seriously when did this become a real excuse? Do you have any idea what a joke that explanation is?
In future I won't bother buying furniture or paying medical bills because if I had the skills to make the furniture myself, or practice medicine I'd do it for myself for free. Never mind the fact I don't, I could potentially learn those skills, so I'll refuse to pay.