Guys...
I am NOT a gunsmith in real llife. Nor do I play one on TV or the Internet.
But I do sleep in Holiday Inn Expresses from time to time.
And in my humble (or not-so-humble) opinion anyone who owns a mechanical device should be knowledgeable enough to perform some basic level of owner service to insure the continued functioning of said afore-mentioned device. The level of service will obviously differ with the complexity of the device.
Take for instance an automobile. Everyone who owns an automoble (with some exceptions I'll address later) should be able to do things like check and fill all fluids, change tires, look under the hood and determine if most pieces are still connected in the proper location, up to possibly being able to change the oil. In short, be able to accomplish those tasks reasonablely necessary to insure continued functioning of the device under routine circumstances. Exceptions would include those who for certain reasons (mainly physical) cannot exert themselves enough to do these tasks. My 75 year old mother comes to mind. She's not quite agile enough to do most of these things - but then, that's why she has me around.
On the other hand we have the modern firearm. A moderately complex piece of machinery that many of us on this board use on a daily basis. And most of us are more than just simple firearms users, in fact most of us pride ourselves on our abilities to use firearms safely and expertly.
And again I feel that anyone who owns and uses a firearm should be able to take care of that firearm and perform some level of owner service to insure the continued safe and efficient operation of the item. In this case being able to take your firearm apart into it's component pieces (at least as far as does NOT require anything more than simple tools), clean and lubricate these pieces, check for any gross problems, correct any "simple" problems, and re-connect everything back into a functioning unit.
True confession time: I have brought a bag containing one big lump of metal and several smaller pieces to a gunsmith and knelt before him beseeching him to perform his miracles and restore these inamimate objects back to life.
Now it's very possible that one could be just a simple user of mechanical devices and be a perfectly functional human being.
For example, get in your car, drive it everyday, and then on a regular basis take it to another person and ask them to perform these routine items in exchange for pieces of currency or electronic offerings. Or on a regular/irregular basis simply put bullets in your gun, take bullets, magazines, or spent shell casings out and every few years approach your local gunsmith in their temple and make offerings to them so that your prized possession will be re-incarnated into a functioning item of joy.
You could do that but then instead of being the master (as much as possible) of your devices, they will be in some small or not so small way your master.
Someone on either THR or TFL had as a tagline Robert Heinlein's excellent listing of the many varied things he thought each human being should be able to do. While an imposing list and possibly one which would stretch ALL of us to our limits, Heinlein's point was well-taken. Human beings are meant to be multi-functioning. Lower life forms can afford to do just one thing only.
So I vote for learning to be able to take the sideplate off your S&W (I am learning), poke around inside, and re-assemble it by your self.
edited to add: For anything else, there's Credit Cards.