I'm with you, Pat. I'm sure it is in some areas.I've been reading this thread, never realized that this is a common problem in some areas.
There are many Commercial Companies in our area. We are a heavy industrial state. These companies are in competition and the prices can be negotiated.
I've swapped large tires in the past, but not anymore.
If a person is not physically up to mounting/dismounting large tires and doesn't have to appropriate tools, I'd stay away form it. It can be very unsafe. I'd leave it to the professionals.