What does it take to be an indie?

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"...stuck making alot of mediocure stuff just to make money? "

Well I am not so sure that indie game designers can really make money in general and particulary making mediocre stuff.
However an Indie programmer should design, in my opinion, for niche market segments which are of little interest for professional softwarehouses.
The indie design should take advantage of some his own particular skill or knowledge, avoiding other stuff being not key issues for that kind of applications.
Not all games need an excellent graphic , for example.
The result can be a game which is even at the state of art for his category
I have in mind for example "Pontifex" ( You must build bridges in different ambient, saving money etc)