Seriously. Recently I’ve had the "pleasure" of working with some pretty messed up projects. Basically, I've been called in to put out a fire caused by some work that another "web designer" had done. Here’s a newsflash, websites are not just single high-resolution jpegs inserted between <html> tags.
If you promise a client mockups or templates, then be very very clear what you mean by that. The number of people I encounter in my field who are providing a jpeg composite and then asking for the full paycheque boggles me. And I’m not only talking about small web design teams here - I’ve twice this year encountered large "agencies" doing this. In fact, generally the smaller or one-person teams produce much higher quality work, probably because their entire livelihood depends on doing great work.
So here’s my proposal. If you are a photoshop-demi god but couldn’t explain to your neighbour who the W3C are, then stop calling yourself a web designer and start calling yourself something else. Save web design work for someone who has a clue.