The confusing parts here are entirely market based
Who buys a voltage reference for $20 on eBay?
What kind of person who needs a high precision voltage reference would spend $20 when they have a $500 budget?
Why would you promote a $20 voltage reference to a crowd of engineers who have $1,000-$100,000 of equipment sitting in their shed, who would be willing to spend $6000 if it meant getting another 2 digits of precision?
Why would you design a product for a market that doesn't exist?
There's plenty of room in the market for products where the schematic is public but the board files are private. You charge some mark-up on the cost of components+assembly, do some QC, and offer group buys to interested parties who would rather not build it. Skip the eBay fees, et cetera. Alternatively, save yourself the assembly cost and sell the parts kit at a discount. You make your money on the distribution+convenience+layout.
Small shops can make 50-80% gross margin on small-run products like this when they price them right.
No point going to the effort of assembling such a low-volume, low-cost, outdated product yourself with perfboard and then not even sharing the schematics.