Possessing those positive traits you speak of is also a matter of luck: the upbringing of an individual has been proven to affect one's ability to make correct decisions. Effort counts, and it counts a lot, but let's not pretend that we can override causality with it. That's why we have things like welfare and social nets.
I've been looking for the same thing: I want to make a prototype for an idea I have without having to learn a web framework and brush up my java. Alas, I was not able to find an open source solution, and the paid options look super sketchy to me.