It's really tough for the no-budgeteer to understand this, they're so focused on "I can now actually make my movie!" that they don't necessarily stop to analyze the rest of the question, which is: "yeah, I could now make it myself, but should I?" If your idea's so amazingly good that it really has to be made into a movie, then surely you can convince the studio to buy into it, right? And if you can't... well, go indie and convince independent investors that your idea is good enough that it deserves a chance to be made right (with a crew and actors and the support that a production deserves). And if you can't convince the studio, and you can't convince investors, well... maybe that points to the notion that maybe your idea isn't that great after all? (on a fiscal basis, leaving your own desire to create your own work of art aside). And if (fiscally) it's not worth making, you then have two choices: a) go ahead and make it anyway (with the likelihood of torching $10k to $30k that you will never, ever see again) or, b), come up with a better idea that you can get other folks to actually believe in, and then go do it the right way...
There are also people like myself who see the films they make as resumes. I want everything I produce to be great so I can have a career making films. I'm not looking to "sell" any one film so much as my skill as a filmmaker. Same as the actors who are in my films who want to be noticed. That's why doing it for as little money as possible is really important to me: I don't expect to see financial return on most of the projects I'm working on.