I really understand your point of view, but A Gower would probably haven't got a chance to finish any single game, if he tried to follow your recommendations.
LOL. Andrew was doing trivial games whilst we were effectively being payed to do nothing. He spent his time writing tiny java games, I spent it writing java MUDs and 3D engines. I think if you ask him now he'd agree that if he'd carried on writing them like he was then he would have gone nowhere at all.
There are maybe more snowballs in Hell than you'd expect
And you really cannot expect that everybody has some interesting budget. Many great games were created without a budget.
Nothing is ever created without a budget. However, assuming you meant "with a suicidal or tiny budget" then the same is true of films, buildings, cars, software etc - yet I don't see you telling the entire 300,000+ employees of GM that they forego all employment rights, all paycheques, all organization, and just keep their fingers crossed that the company doesn't go bust too soon (which it obviously will).
That's an extreme example to demonstrate the point: all work requires planning, all work takes time, time always is part of a budget. Games are particularly difficult to compelte in the first place, and everyone has games of hteir own to write. So, if you want someone else to write one for you, you have to come to the table excessively well prepared.