I was there in the 90s. I built a few bad static HTML pages. It wasn’t hard. There are lots of stories of non-CS / non-technical people making stuff from the dotcom era.
Making a dynamic page was harder. Integrating with a payment system was almost magical; there’s a reason PayPal became big.
But what was truly hard, and continues to be hard, is building a page, either static or dynamic, that people actually want to visit.
Building static pages that worked in both Netscape and IE 4, and could function well with constrained dial up speeds, may not have been "hard", but it did come with a number of challenges.