I'm a coder who's built a lot of platforms for startups from the ground up. I have some scorn for people who are too good to learn the technical; when I hire a roofer, he's looking at me like I'm an idiot, so same goes. But. I always thought, hey, I've got the coding skill so why shouldn't I have it all - and be fabulously successful from some good idea I cobbled together with nothing but 1's and 0's in my free time? So, I built six or seven apps on my own recognizance, none of which took off, but which were all (I think) revolutionary concepts at the time, and each of which took a year or so to be fully functional platforms.
The other apps I built in the interim, to make money. These I built as a freelancer for people who were very competent in their particular businesses and were using web/mobile apps to basically streamline things and improve efficiency; I would reject anyone coming to me with a job like "I have this idea for an app..." because I have a dozen ideas for apps that are probably better than theirs, and I know how to actually build them, but what I emphatically have never had are a functioning existing business, business model, growth strategy or investment for those things. Ideas are just ideas. Even if you take years to develop the code skills to build them swiftly. In fact, if you do, it's even more painful to watch them vanish after a little while.
1's and 0's are just electrons on silicon, after all. We're writing in sand.
I've come to ...well, not exactly love or respect the fast-talking business guys, but... appreciate that maybe focusing on just how to build things (whether you code them or not) is really not the key. It's a necessary ingredient, for sure. But like I said, I've got a dozen good ideas for apps. Non-technical people have like hundreds of bad ideas for apps, and most of them want to catapult themselves to success with neither a good idea nor a functional business model nor existing investment -- they just want to entice someone like me to work for them on faith/credit, and it's always been this way, for 30 years now.
Sorry to rant. But what does work is when people have a successful business already, or the skills to set one up, which I don't have. When they have domain knowledge in their field, whether that's the food industry or hotels or manufacturing. Then, finding someone to build the software creatively or learning to do it yourself can add a whole layer of value, because you already understand the business logic inside and out.
There will be a few unicorn dream startups that exist only 1's and 0's, in the 2020s... and as sad as I am about how all those things turned out since the 1990s, I'm not totally closed to the possibility of being at the front of one. But that's not where the bulk of wealth will be created. It'll be in building usable software that acts as a multiplier for the capacity of ordinary businesses... and not necessarily in the "take a 2.5% cut" way.