The main problem with this not being offered is not a matter of money, but rather a matter of role playing. Smithing skill only has allure for specific characters who would pursue such a skill. It has no allure whatsoever for a pure mage, for example, or for many other types of characters. Many characters would not smith even if they had the potential simply because they would rather pay someone else to do the hot, dirty work.

And yes, enchanting suffers in the same way, but even more so because you cannot even buy staves. Silly.
By the way, Alchemy is not really a skill you can hire, either. You can buy potions that are offered, but you cannot ask an apothecary to mix up 50 healing potions of a certain strength.
Of course, maybe Beth has something in mind for DLC.