I agree. I think the problem isn't how the code is implemented; I think it's how it's designed and verified.
Most of the time, generalist developers can severely (sometimes even completely) mitigate the expense of competent design and verification by adopting trusted components and adapting the application requirements to those components (instead of the other way around, which is the usual way developers incorporate third party components).
If you don't do that, though, you're looking at the 10x-1x-10x problem: however much time it takes you to build your system, you're looking at a 1:20 ratio of effort for non-implementation work, and that's serialized.
(Lest anyone thing I'm talking my own book here: we do what I think is an atypically good job at handling the ancillary crypto stuff that comes up in normal applications, but I don't think we're well qualified to do formal reviews of cryptosystems.)