Yeah, I had a psychology background and one day my programmer of a husband handed me a book called, "Learn HTML in 7 days," and said, "Here, my company needs a website. Learn HTML and make us a site."
I was like, "Hey, you're the programmer. Why should I learn to program? Won't it be difficult?" He shook his head and said HTML is like a baby programming language. He downloaded Homesite for me and I went to work with the book. In 4 days, not 7, I knew HTML. And it was FUN!
A year later I was making scads of money doing websites for people. This was back in 1997 when the web was new and there weren't programmers all over the place. I enhanced my skills over time, learned tons of new things, and the rest is history.
So all I have to say to anyone out there is learn HTML. It's truly not as difficult as you might imagine. And the benefits of hard coding your site, especially in terms of marketing and search engines, will more than make up for taking the hard road.