I think where you run into problems is when one founder doesn't have any knowledge of the other founders areas of expertise i.e. the Bus Dev guy and The Program

I think where you run into problems is when one founder doesn't have any knowledge of the other founders areas of expertise i.e. the Bus Dev guy and The Programmer. The ideal setup seems to be a designer with a bit of marketing skill and business acumen (doesn't have to be huge amount) and a coder. These two can leave each other alone to work when it matters but they also have the crossover skills to help each other work through a problem. A good designer on the web is going to know a little bit about coding and a good coder is going to know a little about design. Its a nice mix and you dont run into any bike shed problems where you have 4 different people checking out the same code.