Honestly, I cannot read that and not feel complete despair. You are either a programmer or you are not. If you cannot create one form on your own without creating security holes you should have your fingers glued together for your own good. Please choose another language to embarrass.

PCI compliance would require it.

Don't you get a swollen head when you walk amongst dullards?
No. I just get tired.

In my experience working as a web developer and hiring/training them, there are two types of people who get into the field: wanna-be java programmers who didn't get the job they wanted and ended up in web, and designer types who think they can program. Futhermore, a lot of manager types also have no idea that web programming involves anything more than playing with images and colors.