I can't offer the value that other suppliers can because I specialise in a different area, so I would have to create as original work what they can pull of the shelf and reuse.
Nowadays many, possibly most, basic webs sites are based on a range of standard designs (templates) that may be tweaked a bit to make them look different but are basically an off the shelf product customised with your text, photographs and products.
There is absolutely nothing wrong with this, the problem of creating web sites for most businesses was solved 20 years ago so why waste money reinventing the wheel.
So before spending a lot of money on your web site it may be worth doing an internet search for WordPress to see just how good a site you can get using templates and ask if you actually need to spend more.
More complex sites like good e-commerce ones are usually created by opening an account with a provider like Shopify or Magento, who hosts your site within an application that they created which is easily customised.
Magento is an open source product that in theory you could host yourself anywhere that you wanted to, but in practice if you are reading this you are unlikely to have the background to be able to do so successfully.
ECommerce sites or ones of similar complexity will have typically taken the company offering them tens of thousands of hours to develop and they will also have full time developers and support staff.
So in some areas you have to use the existing suppliers as it is impractical to build a site that would be of the standard expected by its users.
This all means that to be a profitable business in web site development you need to specialise and I don't.
And yes, they are a few dodgy suppliers selling a standard design and charging for time not actually spent.