Your example / analogy is useful in the sense that its usually useful to establish the thought experiment with the boundary conditions.

But in between someone commuting in a Toyota and an F1 driver are many, many people, the best example from inside the extremes is probably a car mechanic, and even there, there's the oil change place with the flat fee painted in the window, and the Koenigsberg dealership that orders the part from Europe. The guy who tunes those up can afford one himself.

In the use case segment where just about anyone can do it with a few hours training, yeah, maybe that investment is zero instead of a week now.

But I'm much more interested in the one where F1 cars break the sound barrier now.