I think your second point is the real open question that should be explored deeper.
Your first point however is harmful and patronizing. If you can find coding answers on stackoverflow you can certainly google for information on opening an LLC and a business checking account. There is no need to bring in business partners, you can contract an accountant and even an attorney without compromising anything and just paying for advice.
Just doing one thing all your life is not an excuse for not taking care of yourself. Developers know how to brush their teeth and feed themselves, and they know how to navigate really complex abstractions, they can certainly learn the basics of incorporation and contracts.
Just doing one thing all your life is not an excuse for not taking care of yourself. Developers know how to brush their teeth and feed themselves, and they know how to navigate really complex abstractions, they can certainly learn the basics of incorporation and contracts.