I think your second point is the real open question that should be explored deeper.
Your first point however is harmful and patronizing. If you can find coding answers on stackoverflow you can certainly google for information on opening an LLC and a business checking account. There is no need to bring in business partners, you can contract an accountant and even an attorney without compromising anything and just paying for advice.
Just doing one thing all your life is not an excuse for not taking care of yourself. Developers know how to brush their teeth and feed themselves, and they know how to navigate really complex abstractions, they can certainly learn the basics of incorporation and contracts.
Man, I'm sorry but I have to disagree. I may understand how to handle template metaprogramming in C++, but personally I find the complexities of business and society to be complete and total roadblocks for setting up my own business. Moreover I have no idea how to find partners who could take care of that part for me. It may seem trivial to you, but that just shows how little you understand certain programmer's (and people's) mindsets who are not knowledgeable in this area.
Using your analogy: to some (and I include myself), telling them "just start a business", is like telling your grandmother to post a question on stackoverflow when she can't figure out which little picture to click to open the word processor.
You have to understand that some things that from your point of view are easy, are hard for other people. Starting a business is NOT "brushing your teeth." There's basic "taking care of yourself," and then there's how to create a self-sufficient semi-profitable business to work on projects you enjoy. I don't see how you can make this false equivalence.
I would advise your grandma to go to the genius bar at an apple store, just like I might advise you to go to legalzoom or some other easily approachable service for business and accounting.
The point isn't to start the most successful company ever its to just be able to function and do what you want to do (programming). By your analogy your grandma is willing to navigate a confusing and dissorienting world to get what she wants (probably facetime with her family) but you are just going to sit around waiting for someone else to hand you what you want without any effort on your part to learn something new?
You dont need partners, you just need a business checking account and an LLC so you can invoice companies. I recommend waveapps for creating and managing invoices btw.
Sorry if my tone is a little tough but I read so many defeatist comments in this thread and it depresses me that so many smart individuals willing to do so much good for the world arent willing to invest some of their talents (like relentless google searching and asking questions on forums) in taking care of themselves.
Just doing one thing all your life is not an excuse for not taking care of yourself. Developers know how to brush their teeth and feed themselves, and they know how to navigate really complex abstractions, they can certainly learn the basics of incorporation and contracts.