When you're rare and in demand (in your case people who are reliable and finishers, and in the previous case idea guys who need technical people), you don't just go with the first bloke that makes an offer. You need to offer something compelling that they can't get elsewhere.
You raise a valid point. But I am hardly ever naive. I live a pretty frugal life and saved up quite a bit of money ($xx,000). I usually hire people from codementor.io/airpair/railshotline (this is free) and pair program. This was the secret to finishing my last two products on time and landing my first paying customer for the last product.
Please don't apologize for stating your opinion. I always seek feedback and I am not easily discouraged.