Well, first off, there's always plenty of people out there who would love to see there artwork put into a game-- so you could always find a collaborator...
But if you mean you have trouble drawing sprites on like.. a computer.. you could always get a wacom tablet-- there are nice ones that cost 80 dollars-- and they are a good investment.
If you have trouble animating the sprites then there are lots of programs that are specifically designed for animation--TVP Paint is one that comes to mind-- there is also a light-table plugin for photoshop.
And of course, the easiest way to animate stuff without actually drawing a bunch of individual frames would be the bone movement behavior.