You're trusting that it is secure and sensible in its output too.
But even if it was just boilerplate, I'd have had to apply it, and that takes time to do. I've started dozens of projects over the 28 years in this industry - I have a very good idea of how long it takes both me and a typical developer to do what I've had it do, and it's far faster.
And no, I'm not trusting it to be "secure or sensible" at all, no more than I trust a developer. But overall the quality of what it has produced all of which I've reviewed the same way I would with code delivered by a developer, has overall been of good quality. That does not mean free of bugs, any more than human developers write flawless code on first try, but it does mean I've had it write cleaner code than a whole lot of people I've worked with who'd take many times as long and cost a hell of a lot more.
I would much rather have a "rubber ducky" that I can try and explain my thought process to, and then it can try to question me and poke holes in my thinking. I think my expectations on AI are pretty realistic and I don't really expect it to ever be ever *thinking* in the way I associate with the word, not with today's SoA at least. In that respect I'm just not particularly interested in it generating code, but that also may come down to our individual preferences for how we write code.
At any rate, my issue is that it fails at the "rubber ducky" position I mentioned earlier. It's not really able to follow a train of thought that I have, in a reasonably competent way, and every time I have tried to do work with it I just end up feeling silly for anthropomorphizing something that I know isn't really, even if for a second. Just my $0.02 though, I'm glad so many people seem to like it and am happy for them.
Put another way: People who don't pick up these tools and learn how to be effective at them will increasingly be at a significant performance disadvantage from people at their skill level who do pick them up.