In that case you're still subject to the companies who have billions of dollars to spend on training frontier models and server farms full of GPUs. They're free to change their pricing or the quality of the services offered at will (see the recent Claude Code limit changes). Long-term, what you're describing would be a ton of underpaid "entrepreneurs" with no benefits all working away on whatever B2B SaaS web app while all the real money gets made by the AI services they subscribe to. It would be similar to how Uber has "democratized" taxis.

I, for one, just don't really believe that there's enough market for every person to have their own software business. There's only so many ideas that are interesting enough to be sold.