Show me a water jet cutter that's priced at the hobbyist level (and isn't a full time job to upkeep) and I'm there.

I don't understand. Just send it to a service. You don't make your own PCBs do you? There's lots of things a hobbyist cannot do in-house, and even if you can just make far more sense (at hobbyist scale) to contract out.

There is the wazer, but it doesn't live up to its hype.

A lot of hacker spaces have waterjet cutters, they're not that expensive if you're a collective pooling together funds.