baking one’s own bread requires time, patience, and practice, these ingredients cannot be bought or borrowed

is this a comma splice or a fused sentence

This is a comma splice. A comma is used to separate two independent clauses without a coordinating conjunction, which is incorrect. To correct the sentence, you could use a coordinating conjunction (e.g., "and") or use a semicolon instead of a comma. For example: "Baking one’s own bread requires time, patience, and practice, and these ingredients cannot be bought or borrowed."

This is a comma splice error.