solado, I feel your pain and I have to disagree with some of the other commentators. No matter how good I practice, I am not going to be as good an artist as some - just as I expect others will not be as good at coding, and so on. One-person game creation is challenging on so many fronts, a team with complementary skills allows each to play to their strengths.
I do agree on one point, if you can recognise what looks good, then if you are patient enough you can create basic images, or construct them from things that you see online. At the moment I'm use placeholders that I've found online. they can't be used in the real-game as I know there will be license issues, in some cases I use a power-point generated image that I copy over. (powerpoint.. surprisingly useful).
if I get to the point of wanting to distribute the game, I'm going to have to replace all the art with something consistent and I think in that scenario I will have to pay someone... but at that stage i'll know whether it's worth it or not.. so my recommendation... placeholders first, build the game, and at the end do the art.. it de-risks the process.
for the artists out there, I've seen a lot post beautiful designs but lacking functionality.. they're playing to their strengths, you play to yours.
R