The harder part for non-devops is not the TF side, but the cloud architecture and known best practices in design. After that the TF is pretty easy and mechanical

Another point to consider is that most devs don't want yet another tool / SaaS to do a bit of bootstrapping. Also, the move towards exposing non-devops to devops without guidelines / constraints is ill-advised. So many cost / security issues to clean up after by the devops team