Greg,
I can see what you mean about replacing a tap or a hot water cylinder.
Pretty much, over here people can do thier own plumbing, bar the sewerage piping work, you have to be a licenced craftsman plumber to even lay these pipes.
There have been quite a few home-owners (and building companies) hauled before the courts over here and fined quite a few thousand dollars.

And rightfully so I say, you can't afford to have idiots installing something as critical as sewerage piping.
A wrong connection or a badly glued joint could conceivably make a lot of people sick, a leaking joint could go un-noticed for years, while it fills the ground below it (and the ground-water) with foul water.