I honestly think what you're describing will take about 25-50 more years to happen, if ever. Whilst people are getting smarter and more capable, HN is a bubble of people who'll put in the effort to do the stuff you're describing. Systems like SAP/Salesforce and other mega ERP and management systems are filling that space. I expect people will just be learning to live in ecosystems. Similar to whats happening with the cloud in the present day for developers.