"Now imagine we change that drastically, to 100 of 1000 or even more. People will start to build their own little apps to solve their own little problems. And if these break, nobody cares, but them."
This was the old dream of Hypercard, and it worked very well for a long time. http://en.wikipedia.org/wiki/HyperCard
Both Danny Goodman and Bill Atkinson have stated publicly that they got programming questions from every kind of person: small business owners, school teachers, ski bums, taxi drivers, etc.
Hypercard let non-programmers build simple apps, and so a lot of apps were created that would never have been created if app-creation was left in the hands of professional programmers. And many of those little apps were tailored to what the creator needed at that moment, in a way that could never happen if a professional programmer drew up some spec.