If you know your characters well enough, you aren't trying to grasp for storylines. You're really thinking about their flaws and their passions and what they're chasing.
I learned that lack of budget can be overcome by fan passion if you can get your content to the people who like what you do.
I was a huge fan of video games; I wanted to write something, and I saw the tools at my fingertips to upload a video to my audience, and thats why Im here today. I think that freedom and the lack of gatekeepers, combined with peoples passion, is what really the true spirit of Internet geekdom is about.