Serious question: has any product or service of lasting value and success ever come out of an approach like this? It runs counter to most commonly-held beliefs on how great ideas turn into great products.
(it's not accepting my edits on the original comment, I am trying to change "aren't worth much anywhere" (which sounds like a value judgment) to "don't command a high rate anywhere.")
As a hint, it's pretty probable (if you live in US) that your healthcare financial information is managed by a system that I took part in development while being 2-grade student freelancing at the other side of the Earth. And many my friends did the same.
I've seen the biggest internet websites have their major customer-facing features developed by my friends, yet everybody thinks it was done in California.