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No no I was agreeing with you. He's only costing someone wealth when he does home repair on his own if he would otherwise have bought the repairs -- more likely that if he couldn't afford repairs he would've simply lived without them, I think.
Ah, I see, the alternative to the "Only if" was not doing the repairs at all. That costs the carpenter, but he can still spend the money on candy or whiskey. Perhaps best of all is if he does the work himself, since it brought him satisfaction, and then he can spend the money he saved on other things, bringing more satisfaction.