Yes that is true, a lot of hosting companies offer "Site Builder" software for and extra cost (usually monthly or yearly). If you have a fair understanding of the internet then you can start off with these style of websites. So if you need information on the internet affordably, then this is a good way to go.
When you are ready for a site that will impress your clients and help close the sale or direct their business to you then talk to a professional designer because remember, they live on the Net, they see all styles of sites (great, good & bad) and know what is best for your business.
Remember to be a "General" in your business... delegate jobs to people who know what they're are doing.