If people knew how to solve their own problems they wouldn't be giving you their money. I know there's a modicum of technical ability necessary to do certain things with computers, but for the most part, those can be solved by following rules and creative use of Excel.

The value comes from giving people a framework to solve their problems, doing the thinking for them while accounting for the edge cases that they didn't get to, and then compiling that system of rules into a program.