We've found that the current WYSIWYG tool has a few limitations that present challenges to non-HTML users.
Specifically:
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Does not allow easy positioning of images.
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The "border" feature does not work.
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If you type in edits to to a styled piece of text (headline) it breaks the formatting for that line.
These issues were confirmed by Marketo's training and support team as problems with the WYSIWYG tool. There are workarounds but not all users are code savvy.