If you use the right library --- Nacl or Keyczar, or call out to PGP --- you don't need to be an expert to build cryptography into your application.
In all the stories you read about some generalist developer blowing their users' feet off with bad crypto, what you're reading about is someone reinventing these libraries with vanity crypto.
In all the stories you read about some generalist developer blowing their users' feet off with bad crypto, what you're reading about is someone reinventing these libraries with vanity crypto.