I'm one of the people Bug described! (Except that I don't add the "P" word by my name; shudder). I get 1 good shot in 50, and 1 great shot in a couple hundred. I shoot about 10k per year, so I've got plenty of decent ones, but I KNOW I'm an amateur, though, since I've got so many pros in my life (NatGeo to design to fashion to film... no fewer than 8 of these humility evoking REAL Photographers). I just like taking pics. I HATE it when people ask me to take photos FOR them.
But that's what happens, I'm sure, right there. I have decent gear (saving for good gear, but that's as much as a car), and my purse is my camera bag, so I get asked a LOT. Ditto I'll send out a good one I got of so and so, or their kid, and I take thousands over sporting seasons (for a CD of about 100 that go out to the other families). I get 1 or 2 people asking per month.
I just tell them I do this for fun (although one of my majors is Fine Art with a focus in photography, which I do NOT tell them, although friends know and assume... but that's a whole separate issue). But I can see how goobers like me, after getting asked a bunch, could think to themselves "Hey! I could actually make so money at this!" and put together a website and start marketing themselves.