Okay, we are in agreement in principle then. I just want to add, there is a huge difference between working as a programmer for somebody else and for yourself.

Okay, we are in agreement in principle then. I just want to add, there is a huge difference between working as a programmer for somebody else and for yourself. In the latter situation, you have implicitly agreed to shoulder all risks and burdens.. In the former you are a salaried professional, and somebody else has the potato.