I have no doubt that you aren't stupid, but you I do think that you are not aware of how expensive body work is these days.
Someone mentioned the price of paint, in the northeast I believe body shops are paying about $180.00 per gallon, give or take.
Labor is billed at about $125.00/hour at the shop I use. The insurance companies don't pay that much, but "retail" costomers do.
It's amazing how much prep work there is to painting, and it's all in the prep. Get the wrong and the paint looks like a five year old with a spray can did. Blending panels to match has been SOP for body shops since the 1970s. Again, done wrong and the customer will be quite unhappy.
I never worked in that business, but worked for some years in auto parts and knew a lot of body shops. I knew which ones to trust and which ones to avoid.
I had a relatively minor accident in January. Minor enough to be able to drive to my body shop the next morning. I've been a customer for some years and despite a 30 back log of jobs, he managed to squeeze me in. He said if we were lucky, he'd have me out in two weeks. It ended up being month, mostly because of parts on back order. The total bill to the insurance company was $7,000.00. The included some parts, and OEM parts are insanely expensive right now, but most of it was labor, including removing parts, repair them, and reinstalling. Everything is itemized because as someone mentioned there is a flat rate book with entries for every single step of the process.
Why is it people think just because you are old you mind is gone too. My body is not all that good any more but I think I am about as sharp as I always was. I went to get an estimate on fixing a small scrape on my car and the body shop man treated me like I was too dumb to see where he was trying to rip me off. One small scrape above the front wheel does not require over $100 worth of parts that go on the front door plus labor and paint for said door. I have had some other people talk down to me because of my age but this was the most overt example.