In the privacy of your own home?

Why do people think that they need a lot of money to set up an adult website? or really any kind of site at all? 

First of all you should check and see if your ISP provider provides you with webspace.  If not you can either use one of the free webhosts or buy a domain name (and webspace) of your own.  There are templates galore on the Internet where you can just add your own specific information.  If you don't want to hire a web designer then go get a book, go to one of the online tutorial sites and learn.

In the privacy of their own homes people have websites that charge for the priviledge of you viewing their webcam(s) and that is just a start as to what you can do with a website.