Back when I did change a tyre if needed, if one was done at the garage / by tyre fitters, I would always ask them to loosen it slightly so it could be udone by hand (well, actually by stomping on the spanner!)
However, that is behind me. I do remember the last time I changed a tyre though. I had been tasked with carrying flowers from a church wedding to the reception venue. They were all loaded in the back of my estate car, and in a remote country lane, I got a sudden puncture. I took off my floaty skirt and my tights, and did the change in my knickers! No-one came by, either to help or get an eyeful!