The idea that 'ideas are cheap' is common but wrong. If that were the case, we would get great new products every day.

Some people are technical and enjoy most building (here coding) but don't have a useful idea. Others have complimentary strengths and weaknesses. Most complex products we have were thought of, designed, and built by different people, as I'm sure you know.

Also, it sounds like you might just be in a different stage or a different personality type. Imagine when you've got your bills paid, but still see many problems around you, and most will not be ones that can be solved through profit motives.