I think the point OP is trying to make is that just because you have Photoshop, that does not mean you have graphic design skill (and artistic skill it is not as simple as following directions on a tax form).
There's another point in there: just because you have a need for graphics doesn't mean you have a need for a graphics professional. Without Photoshop you needed a graphics professional for anything beyond a cardboard sign. Now you can do very well on your own, well beyond some definition of "good enough," before you need to pay a graphics professional.