I think that's right. But there's a limit to what kind of business you can create with a single php file in 2018, and typically those spaces are pretty competitive.

Pieter's approach of what lead him to land on Nomadlist is I think where the value is - scratch your own itch, and do a lot of business experiments - don't spend more than a month or two on a business idea if it hasn't gained traction, move to the next one. Again, only works for some type of businesses.