Go ahead - I'm ready to be down-voted again and again until folks realize it is inevitable, as is inevitable that many companies in the area of business software are going down down down.
For personal use, those making their own software will still be a minority for a while, but at my job we are seeing potential to save $1M-$10M a year by rolling a custom tool vs paying for a commercial one. The saving here come from the tool doing a better job, not the license we pay.