With all due respect, I've heard both of these concerns from many guys who went on to not only reload their own ammo, but enjoy the process a great deal.

To the best of my knowledge there isn't a single municipality with an ordnance against smokeless powders or primers, the only "hazardous" materials used in reloading. There is nothing dangerous about the reloading process, if you are a reasonably intelligent and cautious person who is willing to spend a few hours familiarizing yourself with the basics.

Unless you're working 2 full-time jobs and raising a family, you have the time. If you ARE doing those things, when do you have time to shoot, anyway? Also, if you need the money that bad to raise a family, it's unconscionable to pay a custom reloader the fees they normally charge. Far better to invest in the ability to reload your OWN ammo.

Also, custom reloaders are very hard to find because reloading is easy, which means very few people would ever pay a premium to have someone else do it when factory ammo is very good, these days. It's a niche that just doesn't need filling, so there are very few guys willing to go through the licensing headaches to be able to legally offer a reloading service.