I have substantially less exposure to this space than you seem to, but even when trying to start projects with friends, this holds true. So often, I get pitched by pals who think the idea is what they've done, and at that point, it's up to me to "code up." What I would love to hear is, "I've been talking with these three businesses already, and they seem interested." or even, "I'm really worried about the sales and marketing side of things, so that's the problem I'm going to focus on."

Nobody's ever come even close to that. It takes zero coding to have those things already started, and yet nobody even goes down that path before looking for a "code monkey."