Your both possibly right but I sure there's a few website designers out there still designing websites who a few years earlier turned down the golden goose who are still working for their salary when they could have taken nothing, given up a lot of their spare time but then reap the rewards later, just look at fb, ms, google, apple to name a few big names who while the names of main men behind those companies are well known those that got in bed early with them almost without exception are multi million/billionaires. While I'm not going to back this up I can think of plenty of websites, developers and products that have initially been written by amateurs in their spare time and I'd much rather have someone who 'likes' to develop and believes in the end product than a salaried monkey.
The people who started facebook/ms etc were highly skilled in the computing field and had significant startup funding. Ironically facebook was a stolen idea which resulted in lawsuits.
