Time, well I think for most here anything oil related is considered leisure, not work.
I enjoy working on vehicles (just don't ask my wife, she would say I had it with how much I gripe when something does not go right, but that is part of the "fun").
As others said, it also gives you time to take a look at your vehicle in a little more detail when under the car.
Money, my last oil change (4 qts Pennzoil Platinum and Wix filter) cost me $14, and that is an expensive one. My last truck change (6 qts Nextgen and Carquest Red filter) cost me $2 (oil was free, on clearance and had rebate, filter was a Rockauto clearance). I do use nitril gloves, you can get a box of 100 for $5 if you watch for sales (I get them for free from work). A can of brake clean is like $3? Lasts me 7-8 oil changes. Rags, well, I use some cotton cloths that come in suture kits from work that don't get used and would be trashed anyway. If a little dirty, I wash them, if saturated, they go in the trash.
I store my used oil in oil jugs, when I get 4-5 full, I stick them in the back of my truck and drop them off at the parts store when I am around one. No issue at all.
Now if I did not have a house with a driveway, that would be a bit of an issue, but I would use a family members driveway before going to another place.