My Mrs used to work for a web design/hosting company that would churn out pages based on a few basic images, a theme plucked from a box of maybe 100 or so and some basic text agreed on and partially authored by the client. I think they used to charge £100 for a year inc the meeting to discuss, all the hosting, email hosting, “design and development” (i.e. copy and pasting text and images into a template). Didnt produce an overly exciting website but for thousands of small companies and individuals it was all they needed and worked.
I once developed an entire site from scratch for a company I was working for already, from the back end to the graphics and interface – it was a LONG job, a nightmare and not much fun, and the end result wasn’t great (at the time it was as good as the competitors if not better but these days it would be laughed at).
The main reason sparkies/gas/plumbers seem to charge a fortune is the cost of required training for things like corgi/part P etc which unfortunately is outside joe bloggs control. Very frustrating considering I have a copy of(and could easily apply) the part P regulations but am not allowed (despite having 2 elec eng degrees), but understandable since the cost of part P qualification and ongoing testing is high. Doesnt seem to improve their work though.