Compounding effect of gaining knowledge is hard to quantify at first but in hindsight, very valuable. This is one way DIY can pay big dividends even though it can be slower and riddled with mistakes and mishaps. The knowledge gained will continue to build upon itself.
Social and Cultural capital are often overlooked as forms that have been eroded by fiat. However, as the fiat incentives drive more homogeneity, it becomes even more valuable to focus on developing relationships and culture with people you can count on and cooperate with.