First, you're doing really good by doing all this stuff before you get to college.
Now, have you tried exploring art yourself?
I'm a programmer, not an artistI'm a programmer, not an artist
Is a common cop-out people use to avoid judgement on their artwork.
But if you just put the time into it, you can learn to draw, too. (and a couple of bucks for a Wacom tablet!)
But how does a single programmer make a game?
You just keep working on it until it's done.
It is true that the barrier to entry to create a game that captures attention and has a market has been raised quite a great deal just by the quality and amount of money and time invested into games that are actually selling.
So, because companies like Blizzard or Edge Of RealityEdge Of Reality are investing so much time+money just to get the next card game/First person shooter out, the game marketplace today is a very competitive place. Compare this with the time when Mario Bros. was bleeding edge technology, and John Romero was able to sell games like Crazy Climber that looked like this: