I tentatively believe in this hypothesis. That's part of the reason I moved most of my computing into Emacs - I get greater control over the UI there, and reap the benefits of deep interoperability.
I think this would be a working system. You'd have a separate market for services, and a separate market for software consuming these services. I doubt most regular people would become full-blown creators, but they would happily shop for more ergonomic tools and customize them to the limit of their needs. It's kind of similar to the "right to repair", where nobody honestly expects that everyone will be fixing their appliances themselves - the point is that those who can, would, and they would also offer their services to those who can't or don't want.
I'm not sure how to get to this world. That's kind of the question in my original post - I see fixing the browser for productive use to be a potential stepping stone involving the same or similar changes.
I have one idea I'm hesitant about: it would be nice if we could force all services on the Internet to communicate with open and documented protocols and APIs, while simultaneously banning any kind of "you can only use our official app" clauses in ToS. That is, force the decoupling between a service and client software that consumes it.
In other words, imagine that instead of being forced to digest a plurality of static and unforgiving view hierarchies from designers on high, you have with a single, long-lived, personalized UI that is flexible, changes with your needs, and allows you to integrate new data and services alongside or into existing workflows. Think of it as a personal UI agent.
I like this model of software primarily because of how much creative power and agency it gives end users. "B2C" could end in "creator" instead of "consumer". It's unix-y in its composable nature, and more in line with the hopes we had for the web's ability to unlock creativity in its infancy.
It also seems like a step towards a world where we see fewer ads, because there's more of a culture of paying for digital products by usage or subscription (though ad-supported options would remain; I don't see this as a revolution against ad-supported models).
Obviously, lots of challenges to execution, but would love to hear of anyone else thinking along these lines!