I'm not one to mince words, so forgive me and know that no offense is intended:

If mood and aesthetics are the most important thing to you about a brand, go paint a painting. If you want to do design, you have to solve a problem.

The danger in wholesale brands is the same as selling wholesale logos: You're miseducating people on the value of design and how good design is made. Sure, some people only want to spend a few bucks on the design of their company/app/whatever because its not important to them. Those people will probably always exist. As professionals, though, we really shouldn't encourage that.

Design—good, respectable design—is more than just slapping together a system devoid of context, selling it for a few grand to the highest bidder, and being on your merry way. It's about more than mood and aesthetics, and thats why I think that the communities that have formed on sites like Dribbble are poison as well. Design, at least how I define it, is about thinking through and visually solving a problem.

There's no problem here.