I think another important point is maybe a lot of developers have issues with trust.
Often times it's not about the money on its own. It's just that I don't trust a critical part of my business to a $10 / month service that I'm not 100% convinced will be around for the long run or has an impeccable track record.
For example, I trust Stripe a lot and have no problem basing my business on them but not so much that company I never heard of who is offering a useful service. It might be good, but without concrete proof or dozens or hundreds of success stories then I feel a lot more confident just rolling my own solution because I know it will work in the way I designed it (with or without bugs but if it's buggy, I know where to go to fix it).
Comments
I think another important point is maybe a lot of developers have issues with trust.
Often times it's not about the money on its own. It's just that I don't trust a critical part of my business to a $10 / month service that I'm not 100% convinced will be around for the long run or has an impeccable track record.
For example, I trust Stripe a lot and have no problem basing my business on them but not so much that company I never heard of who is offering a useful service. It might be good, but without concrete proof or dozens or hundreds of success stories then I feel a lot more confident just rolling my own solution because I know it will work in the way I designed it (with or without bugs but if it's buggy, I know where to go to fix it).