[brlewis]

I think it's great that many other people are taking an interest in programming and doing it. And it's true that to think oneself very smart for being able to program is the wrong attitude. But this thread that you're replying in started with this particular assertion from the article:

"But any blue-collar coder will be plenty qualified to sling Java­Script for their local bank."

An app that's secure enough for a bank is unfortunately not something one can make without a lot of training. Maybe someday.