If you scroll through any personal finance forum every year someone will discover the forum and excitedly share their customised budget tracking sheet they built from scratch and it works exactly as they wanted to. How many do you think even get 1 upvote?

Everyone building a software will just mean people can produce code which others might not really care for and might even be particularly be mean. That’s how the Internet works unfortunately.

The current logic seem to be confusing two things. One AI as a technology and wisdom of the crowd using AI. One might ground breaking tech and improve over time while the other might not move the needle at all.