I believe it is not a problem of time and budget for indies, that is a problem for the big companies. Indies only have passion/dedication as a problem. If you fail 10 times at creating a good texure, you try another 10 times until it looks perfect. But it requires dedication. Companies must cut the line if it doesn't look perfect because the budget is empty.

I work 40 hours a week, but I find myself able to build a game piece by piece the times I am home. The only reason I'd be in a hurry is because my dedication/interest fades over time for one game, and I want to start a new one.