The cost is very different if you are developing your own apps, or you are the 'brains' and need someone else to develop the apps for you. I think this is what

The cost is very different if you are developing your own apps, or you are the 'brains' and need someone else to develop the apps for you. I think this is what the article is trying to say, that a return for someone like that may not be there yet, but this always depends on the idea.