Well yeah, some people are just awesome/lucky/blessed. Given nothing, they know how to build great things. But this is a strong minority of people.
The majority of people are just normal, they may have one or two skill that they are good at, but don't have the skills required to run their own company. A person can be a great employee developer whose capable of building awesome products, but an awful freelance one because they are not good at negotiation, management, finances, etc.
It's a step away from the efficient specialization of a corporate structure, where each employee only needs to be skilled at their particular job, to a guild-like structure where everyone is a worker, manager, accountant, book keeper and politician.