Like with some of the others here I 'test' clients to see if they're someone/a company I would like to work with. For others who refuse to believe that websites are hard can cost more than $200 I refer to templates.

So, templates are good for some people/companies. It's the same with any product/service, really. There will be those who just want the cheapest x and are indifferent to quality, investing in their purchases, etc, and are happy with knock-offs and things that will break down in a few months.