It's going to lower the floor, because lots of stuff that would otherwise not get produced will be made, and it will be hard to see how incompetent the people behind it are at first glance because the UI could be decent. Imagine putting your valuable information into one of these garbage apps only to find out that the app wasn't even written by a programmer! If it goes just a little farther, and the AI deploys it for you too, how many disclosure and data retention laws are going to be broken by it? You'd have to be awfully desperate to want to use one of these 100% AI monstrosities created by an amateur.