I think the implication is that if you can't afford to hire someone to code for you, you aren't going to succeed at running a startup.
Why? Because you should be good, really good, at something, whether that's your current day job, being able to sell your plan to others - friends, family, acquaintances, bank managers... - or having the self-belief and determination to fund the entire venture on credit cards.
Although that last one might be... risky ;)
If you can't afford that amount, then either learn to code yourself, or pick a different idea that is actually within your reach.
If the MVP for your idea would cost $100k to build, and you don't have $100k, pick a different idea.
There are so many ideas out there, you need to pick ideas you can actually implement with the means at your disposal.
Going rates aside, one thing many people (including freelancers!) do not realize is that paying somebody $30/hr gross for a 2-month contract is not even remotely equivalent to a permanent salaried position that works out to $30/hr. Contracts frequently include billable hours and there's tons of negotiation for jobs that fall through. There's generally less security and there are fewer benefits. I've also noticed that there tends to be more time pressure on a lot of the little contracts.
I think it's reasonable to multiply hourly rates by a factor of 2 or so for contract jobs. This is why you have a market with $90,000 salaries and $100-150/hr contract rates. If you try to get somebody for $3000-4000 per month you'll either be lucky and get a student or something or you will get the sort of person who couldn't find anything else. If you do get lucky, your freelancer will not stick around very long because they will find much better opportunities.
MVP does not means cheap.
MVP means "Minimum Viable Product". It is very hard to make viable part on cheap using only contractors. You might end up with "Minimum Crappy Product".
Building of MVP requires a lot of interaction with early adopters and evangelists and that is where contractors really cannot help you. Unfortunately, they require the exact guidance.
Some might say that MVP for some SocialNetwork ver. 245 might be cheap to make - but I think MVP in that space if does not have something very unique it needs to have very very nice interface which you cannot get for couple of thousand dollars.
I am not at liberty to disclose who those companies are, however. Some, I've signed NDAs with, and others I haven't asked them if I could disclose that they used subcontractors.
Worth adding that I was the first to be surprised that they managed it. I don't believe in outsourcing your core business processes. However, whether or not I believe it, they did it.
I'm not actually advocating this as a standard model, btw. I think if you're not technical, you should start a business that doesn't require lots of technical knowledge. There are plenty of those opportunities out there.
Groupon is an example of a huge technology business that didn't require all that much technical skill to get off the ground.