The current level of art assets requires displacement maps, specular maps, texture maps, a zbrush high poly model, lods models, and physics models. While all of these things are very doable, in order to DO them, you takes highly skilled artisans. Highly trained artisans are expensive. Therefore if you want to create some new art assets it takes lots of money. Lots of money means getting investors. Investors mean giving up significant amounts of equity. Which means you have a very narrow window in which to succeed and if you do, they benefit disproportionately.
