Knowing how to express an idea in code is easy. It's easier as languages get more high-level but it's easy enough now. But knowing what ideas to express, and having ideas that are consistent enough, have the right tonality and the right balance and the right leanness to express, is the difficult part. Playing piano is about knowing what keys to hit, not how to hit the keys. Same with programming. If your fingers are too short, slow, and fat to play the piano, play trumpet. If the incidental parts of one programming language are difficult or useless to you, use another.
YouTube and Digg simplified distribution, not creation. Distributing software is no more difficult than distributing anything else. What you're talking about isn't analogous to allowing non-celebrities to create music, what you're talking about is allowing people who don't know how to sing, play an instrument, or compose a song to create music.
I've looked over your business's website. It seems like you have a good idea and a useful target market, but the web implementation is questionable, and there's nothing stopping someone from taking your same basic idea, executing it better, and eating your lunch.
"Middle men" are usually doing something of value otherwise there wouldn't be a need for them, and they wouldn't be around.
It's not because of a conspiracy that programmers are needed. You could use a "point and click type program", but they just don't work that well. And programming via a visual tool instead of writing code by tapping on a keyboard doesn't change the fact that you are programming.