Also, most people don't want to build software. They just don't care. There'll be tinkerers like with anything, and I'm sure some people will create solutions to their niche problems with (as you say) 'whatever free thing MS bundles in Windows'. But like the programming trope - they'll build the 'ultimate' todo list and feel like it's an amazing achievement, but be back to pen and paper/notepad/todoist within 6 months.