And my point a lot of people make the mistake of thinking all they have to do is web developing and people will flock to them for business. I am a web developer and have been for a government agency for 5 years and never once have I had to collect a debt, sell a web site, go door to door. All I do is things that web developers do.

Those other things that come in to play are not easy to do well. If you do them well i commend you, most people cannot. I have seen freelancers fail time and time again because they did not consider the ancillary things (which took up the majority of their time) even though they were skilled designers/web developers. And in my opinion that is one of the major things to consider when deciding to free lance, are you willing to spend the time it takes doing non-freelance related work in order to get the freelance business you will need to survive.

Is that so hard to understand?