The argument of musician Vs singer aside, Soddy's recent post offers a rationale of why singers (folk) probably should learn to play basic guitar. Most multi-instrumentalists who play stringed instruments can "read" guitar chords as another person plays them.

Even if a singer can barely play the chords she/he can get some back-up from the "instrumentalists" - and, as pointed out in one of the other threads, if the instumentalists know what you're singing/playing they can do the instrumental "breaks" between verses while you catch your breath and try to remember the next words.

Of course this has a down side if you get someone who really wants to hammer on their instrument and drown you out, but before you start, or even at the break, you might nicely ask them to back off on the volume while you're singing.

Putting instrumental breaks in a song also stretches the time you're on center stage, which is also good for the old ego! It can all be worked out. It shouldn't be an adversarial process - unless it's a gathering of lawyers. Some people are destined to be singers and others have more talent picking, use what you find.