Then SharePoint Designer is the answer. Looked through some great demos from Microsoft yesterday and they made my head spin - a lot of ideas on how to create new applications quick and easy. You can imagine creating the applications while the business persons are sitting in the same room telling you how they want the application to work - that's an agile process!. Combining lists as sata storage, data view, custom input views, web parts with (including connections), workflows, etc. makes it possible to create pretty cool and useable applications.
Examples to come: