Blog/Website Development

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I have spent my off time over the last few days working on "designing" a new blog for someone. I have no idea what I am doing. I love the way blogger allows me to build things as I go. If you are a person who actually went to school to do this type of thing, or have spent many years learning how to write html and such you might not be as excited about all the options available.

Do "create your own design" type of sites/blogs help or hurt overall creativity around the web? Does it limit those of you with actual talent from getting paid to do what you are good at? Or, does the access to limitless possibilities help everyone?