Demaestro - 6:10 pm on Dec 6, 2011 (gmt 0) [edited by: Demaestro at 6:12 pm (utc) on Dec 6, 2011]
Apply your logic to someone building brick and mortar stores for people.
"Well he knew a little bit about construction but not enough to know how to properly re-enforce windows and doors."
"Not all of us can afford a builder who knows how to secure a basement."
Would you hire someone to build your store if those above statements were true?
This is why even on a tight budget you don't hire someone who isn't a professional, and you don't skip over things like security just to get your doors open to the public.
It is curious that with a Brick and Mortar store, in order to obtain insurance, an insurance company requires you to have an alarm system with monitoring on premises, but they don't require a security audit of the website that may or may not be storing customer information.
My advise is treat your website like you would any store and don't cheap out securing it while spending money on making it look pretty.
[edited by: Demaestro at 6:12 pm (utc) on Dec 6, 2011]