I guess I would have to say a bit of both. I am an Artist and I design my website for our members which means I make money with my talents. All of them. I am still learning to get better daily however.
I think those that do the best are the ones who are artists who manage to find a way to make money doing what they would do for free.
I was ever a programmer developing websites. You've to do both programming and artistic design to finish a website.
Entrepreneur are artists, they create cash flow. lol.