haha so all those people who make their living off web design, and graphics design...thats not a job?

your paying for someones skills, just like you are if someones fixing your car, just like your paying for a doctors knowledge, a plumbers expertise. Its all about the skills, now you say you can't design a banner...so clearly you don't have the skills...therefore you need someone elses skills to help you...so you should pay just like you would any other service.

If you've found people to do it for $6 then more fool them for undermining the worth of their skills and setting themselves low standards.