You could hire someone to run/create your site - depending on how fancy you want it, it could be done affordably. I was considering doing that myself, being a webmaster (I run 2 sites now), it's just the legalities (taxes, laws, etc) that are a bit of a problem - I don't know where to start. Feel free to PM me if you have questions.
BTW, a host that has CPANEL (and maybe DirectAdmin though I never used that) has a feature to password protect folders for you, and all that other HTACCESS stuff Quite nice.
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