Here's a couple of websites I designed and built using only some CSS I stole from other sites and HTML. I've not ever used any tools for building websites, and while mine are far from professional, it shows that someone with little or no training can build a workable website without using any tools (everything I know, I learned from a book on HTML, from studying other people's websites, and some basic stuff from the Mudcat). The first one uses a free service and as one can see, the ads aren't too intrusive, and they can even be hidden by the person viewing the page...

http://www.geocities.com/kevan_tolley/index.htm

http://www.alcdv.com/ArtFurniture.html