by "take the wheel apart" they mean they need to unscrew 1 or two screws, lift up the cover, and replace the ignition lock. ignition lock cylinders are very easy to remove...usually it's just a pin underneath that needs to be pushed in, and the cylinder pops right out. google how to do it for your make and model, at the very least you'd be able to replace it yourself without having to pay outrageous labor