The second (and cheaper) path assumes that you have the design and dev chops yourself to build your dream software. Naturally, it’ll take more time to get your product off the ground, but being able to bootstrap the development of your software lets you retain more ownership in your business and be more in control of your path, making this a lower-cost, but higher time investment to make money selling apps.
Sadly, it has and still IS going on. When I finally decided to leave WA and not renew at the roughly $400 gold member membership price, WA changed the websites email holder to no longer for example to be firstname.lastname@example.org but to email@example.com. I have had several agencies contact the owners of WA to rectify this plan and I have even been emailed directly saying that they have “fixed the problem”.