Yea...The necessary skills can be learned and tools can be acquired with time, but I am talking about the abilities. One thing is 'I want to build this' another thing 'I can do it'!
We have many examples where underestimations of personal abilities lead to...unfinished project (in a better case), but frustration with the hobby to begin with...How many of us (including myself) ask if the project I want to build is for my teeth? I hear you; you may say that building from the kit may also lead to a fiasco and you will be correct! I am not saying that scratch build is a bad or good thing, same applies to the kit builders or kit bashers. A basic kit may\will contain almost everything you need to start with, (some kits may include the tools) while building the same basic model from scratch, will require a lot of knowledge from you to start the project.
I like to build from scratch, I really do, I like my skills to develop and excel. But there are things I will never learn, for sure. Maybe in the next life, perhaps? Honestly, I don't even know who I will be in the next life, if such thing exists, IMHO.