We solve the latter problem by having business analysts or product managers that "get" the technology enough to provide direction, even if they wouldn't be effective implementing it themselves. I think there's a next phase where, as we try to do data-science at scale, we look for a similar role that deeply understands the business and knows enough about the analytical techniques to define the problem and work with a team of specialists to figure out the best analytical approach.
People talk about data science teams being multifunctional - with programmers, data engineers, data scientists, and designers - but we always leave out the role for someone with deep business expertise and shallow but meaningful data science expertise.