No, you could model separate elements that you could then use as stamps in the normal map for example, but alterating the model or the bakes is not allowed.
Not everyone is creative. If you see it as a job like for example a carpenter its the way to go, not every carpenter is automatically a furniture designer.
That's a good idea, too. UT, for example, offers a "Business Foundations" set of courses, taught in the Business School, that includes that kind of stuff.