[glenngillen]

In that scenario, you're not a BA you're the customer because you want your idea developed. So hire a competent developer to make that idea come to life. The core problems with being a BA are the same, you'll skew the implementation with your own pre-conceived notions of how you think things should be done. Given you're not capable of doing the work, you really shouldn't have any input on that.

I don't tell my accountant how to do their job, despite having numerous opinions on how things should be structured. She takes my input on board, and tells me what I should actually be doing.

How you decide to remunerate them is an entirely different problem.