Flawed premise. Software and UIs designed by "regular users" (unless they're professional designers, for the UI part) tends to suck far harder than almost anything cooked up by programmers.
Furthermore, there's no getting around the fact that computers are precise machines with no real ability to divine what you mean.
Even in declarative programming where nearly all the accidental complexity is removed, there's still the actual logic to implement, which in large quantities still requires tons of work by diligent, skilled programmers.
Good point - software is hard because you have to take into account the logical ramifications of each decision you make. Programmers are good at this - business users are not.
