Hi consultant, your very right.
You can buy literally hundreds if not maybe thousands of templates from different companies, which are immediately installable. Some are incredibly good, for DDA and SEO, allowing text re-size, width stretching, colour scheme changes, and they dont look tacky or rubbish. Many of the Joomla template clubs are European as well, so you haven't got the 1998 American design style plastered all over them, like they do on many of the template monster web templates.
The main thing that is really holding back VM at the moment though, is a lack of accounts system to be built in. We are developing one right now, which hopefully will be launched in a couple of months. This will give most tools a small self employed person, and maybe even a little more larger company the ability to input their accounts.
The system will of course be expanded upon over the years, but it is a good starting block i suppose
Sorry for being a little too in-depth back there Red Evo, but i have had a few confrontations on other business forums about the same kind of thing.