@dhh
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You bet! We used to do all that stuff. It wasn't until, I think, 2009 that we hired an office manager. Jason and I have done all of it. From setting up insurance or typing in expenses for accounting. It might seem daunting, but be reassured that there are millions and millions of small business owners that figure it out every year. So why wouldn't you be able to? Also, you can use freelance accountants and insurance brokers to help you.
I think most web development tooling has a lot of inherent productivity benefits over native development, so as web apps become more capable, they'll win back terrain originally given up because you simply couldn't do certain things or it wasn't fast enough before. At Basecamp, our native apps are mostly navigation shells around web content. But we do level-up some key interactions to native. Mix'n'match is where it's at.
"Proper agile" has the same connotations to me as "Real Programmer". It's not something I worry or care much about, as a certification. Look at open source. How many projects have all their contributors meet in the same room every week to do work? Almost none of them. Yet some of the most impressive achievements in programming were done like this. Being present in the same room is clearly not necessary. I find that it's less a matter of technical necessity and more one of social needs. Some people just need/like to hang out with other humans for work often. Totally fine. You should find a work setup that makes you happen. Just easier to do so if you're honest why you need the things you do.