Your first paragraph made me laugh out loud Justin. I've been that guy (long time ago) and since then the person awkwardly trying to say no.

My answer to the question put though is simply that nobody will have the same passion for your own idea. So find a financial partner if you absolutely must avoid fully investing yourself, and then pay a developer on a professional basis. But I fear it would be a waste of breath 99% of the time and my response these days is more like "wow, your' going to be rich - that's amazing! Unfortunately I'm washing my hair this weekend" (hopes doesn't notice I'm bald!).

Then again, it's poor form to just poo poo people with ideas - but the approach is flawed if they won't invest themselves.