Heh, we've been so focused on programming that we forgot the other solutions: Game Makers.

Benefits:
100% ownership.
No need to pay a programmer.
You have to learn a lot less programming than if you programmed it yourself.

Of cousre, there''s
Downsides:
100% blame. ;)
No professional programmer working on your project.
You still have to learn how to use the game maker and choose a good one.
The better the game maker, the more programming you'll need to learn.