1. Programming isn't as easy as it looks, it's not just a few codes, and ta-da, the program works

2. Graphics take time and money. You need several programs to make one character look so real, specially in a 3D game. Look at Final Fantasy for example. Each character probably took atleast a year to design, create, fill in, animate, ect...

3. Sorry to bum ya on this one, but we have absolutely not enough money to do anything. Three hundred and nintey jazzers is nothing to a company like God Games, Epic, Project 3...they have Unreal

Publishing takes lots of money, and then you have advertising, and that takes ALOT of money to do it world wide or just in one country.