Ok, for the sake of full disclosure, I am a Hypex OEM. That said, I am an ASR member first and still think objectivity and science remain pertinent to the discussion...
3. As mentioned, it takes different tools and more training to fix SMD parts. Even if you have a schematic, it does not mean you can readily fix.
I'll just focus on 3 for the moment: If I have the schematic & was not able to 'readily fix' it, I could definitely go down to one of my local "makers" groups, such as Reforge Charleston: (from them)
LEARN
We provide a wide range of classes covering everything from sewing to ardunio programming.
WORK
As a member you have access to a variety of tools such as Laser cutters, 3D printers and CNCs. It is the perfect place to complete any project.
COLLABORATE
Our members have a plethora of knowledge and experience. If you want to pick up a skill or learn something new, Reforge is the place to go.
Another tack would be the local technical college (who trains in electrical, robotics, computer circuit design, manufacture & repair [not just replacing modules but actual repair] {and a number of folks & groups around that have the equipment to do so}) for Boeing, Robert Bosch, Volvo, Mercedes & many others. I know a man here who has been able to design & make proprietary computer circuits for industry and airplanes since the 1990's. If I can find people to do things like this in the Charleston, SC area: don't you think think that I could find people that are even more capable in cities such as Charlotte or Atlanta, which are both just a short flight or a little longer drive (if you count time going through the airports). Yes, people who want to get it done, certainly can get it done. And many learn to do it themselves & purchase the equipment for their makers group. This presumes that no one can learn how to do this.
Yet people like me and others have been reverse engineering, writing manuals & repairing all sorts of things (such as the latest computer hardware. electronics, Mac, PC's, Phones, Medical Devices & more.
Don't believe me? Go to ifixit.com & see for yourself. I suspect that you will find that there is a segment of the general public that is quite proficient at doing these things, even without having a degree in engineering (mine degree [which I have on occasion found useful, mostly in what not to do] is in Business. I was brought up in a plumbing, heating and AC corporation owned by my parents. I have been part owner or full owner of 3 rather successful corporations myself. But my heart lies in the audio/video fields of acoustics & science (thereby encompassing electronics, computerized & otherwise).
Like retorer-john, some one of us will, at some point in time do it just for fun. It makes it more difficult without a schematic but that stops no one who wants to tear it down. & it might take more than one. But there are certainly people that will figure it out. And publish their results.