My point is not that you don't have to know how to code to make Bingo Card Creator, it's that you could outsource its development to odesk and get it for $50.
"Smart nerds" are useless in most cases. They're interchangeable. Marketing and finding a niche are far, far more important.
Based on your comments, I'm going to guess that you've never run any sort of technically demanding business. I absolutely guarantee you that you wouldn't get something comparable back from ODesk, because you don't know how to spec out what he's got going on under the hood there. It takes a smart nerd to do that effectively.
"Smart nerds" are useless in most cases. They're interchangeable. Marketing and finding a niche are far, far more important.