I pay a barber to cut my hair. Sure, I could learn how to cut my own hair, but there's a good chance I'll spend a lot of time and still mess it up.
I pay a mechanic to fix my car for serious repair. Sure, I could learn how to replace a transmission, but there's a good chance I'll spend a lot of time and still mess it up.
If these (and the endless examples of paying professionals) are a tax for stupidity and laziness, then everyone is lazy and stupid. If you're not a software company, there's a good chance it's worth it to save the time to pay someone to set it up for you. Also, if Joe's Fish Market wants a POS system and needs a server for it and he decides to set it up himself, if he gets it up and running, what are the chances it'll stay up to day and not have a firewall issue? Probably pretty low compared to if a professional did it.
Joe wants to focus on selling fish. That's where he's a pro. I don't know anything about fish, but I could set up a server for him. We all have our own skills, and it's often worth while to leverage other people's skills, because they'll do it faster, better, and it will likely end up cheaper after time and security are taken into consideration.