We have a three person startup with one programmer, one design and marketing person, and one "other." The "other" person on the team had the original idea, pays the dev bills, and is our primary non-technical tester.

We value all three partners equally - literally and figuratively. Sure, we could outsource the code, or outsource the design, or decide no idea has value if you can't build it yourself, but that is just not how we are constituted as people. We're very comfortable with our configuration.