Nobody in my circle has used
Nobody in my circle has used the term "swapping" to refer to like-for-like projects for a very long time. The first half of this article is referring to engine "replacement". All of my cars are paid for and well maintained. If I reach the end of the life of an engine or transmission I will always repair or replace it before I lock myself into a payment for a vehicle. At least until legislation takes that option or practicality away.
Nobody doing a swap thinks they're even making a halfway economical decision. Even if you have a good plan and budget going into a swap you're going run into a list of "while I have it apart I oughta" kind of things. And before you know it your swap turns into a full restoration. Or that might just be me...