Happy - how come I pay more interest on my Mortgage than the Bank of England base rate?
Who pays me for sitting in my office all Saturday doing the paper work?
Who pays me for going to look at a part that has failed in its warranty ?
Who pays me to research product after product so that I can give people options for their projects (which I might not necessarily end up working on)?
Who pays for the bank charges my company is charged?
Who pays for the public liability insurance, Diesel, Road Tax, Van Insurance, Mobile phones, Accountants?
Who pays my apprentice's wages?
Who pays for the relationship building that goes on in merchants - because there is trade and there is trade?
Instead of "who pays" think of it in terms of "where does the money come from to pay ".
I pay less than trade for some things... and I know I pay more than trade price for others.
Being able to put a mark up on materials purchased covers the costs of running a business that means that it more equitable for customers.
If you are being ripped of my your tradesmen it is probably because you are a prize pillock and they are making it worth their while.