In my professional life, I've come to understand the difference between a developer and a user is the degree to which they can think about a problem riggeriously. Most users work at a very high level, a developer helps them break problems down and think about things concretely.

> Separation of "developer" and "user" is artificial and more should be done to recognize that.

I've seen some company ROI models built in excel that I think would change your mind about this.

I bet they wouldn't be much different from some C++/Perl, and VB 6 / COM stuff I have seen as well.