I too had the "computer store" experience. Programming is my second career. I sold customized accounting software that ran on PCs and "Baby 36" systems (IBM mid-range systems). Fortunately, I could see the writing on the wall and got out before PCs became a commodity.
Another thing I want to clarify: when I speak of web applications, I'm not talking about your typical "site". For example, I developed the first complete eCommerce application for the commercial printing industry, with real-time proofing (dynamic PDF production). Later, with a staff of developers and designers, and two years of work, we turned it into a full-scale application.
It took orders, dynamically generated press-ready artwork, properly calculated interstate taxes, imposed the artwork, had a very robust pricing model (if you've ever had a print job estimated, you have some inkling of what that would involve), and maintained complete order history.
When I say "took orders", we're talking about customizable print pieces. The form module alone, which allowed a dynamic data-entry form for each and every piece, was probably thousands of lines of code.
We supported various online payment methods. It had a complete administrative interface. It supported multi-tiered buying (you can place an order, but need so-and-so's approval). Spending limits.
It supported co-branding, so that based on your login, it picked the correct color scheme and logos, plus populated your inventory.
The list of features goes on and on, and this system by now (it's still in use) has generated millions of print orders, for hundreds of companies.
Now that's an application, and it took professional Web Developers and Web Designers to create.