I think the problem is a little different. The problems I see are in design and the value steak holders can actually see. If you are building a crud system for

I think the problem is a little different. The problems I see are in design and the value steak holders can actually see. If you are building a crud system for a small business they are unlikely to pay enough to make it work spending time to make the interface easy to use. The admin staff are cheap, developers are not. Small Business people don't want to spend money on testing and continuous integration for apps when they don't have large amounts of capital around. Nor do they push for security audits when they see no immediate value. They want the cheapest piece of software that will get the job done. Not until they feel the pain of cheap development will they start to think about reworking their software. Yes there are some that can produce incredible software in a short amount of time but these are exceptional people. Those people should be demanding a higher rate.