But let he who has never done dodgy home improvements cast the first stone.
In the bathroom remodel analogy, the AI is the plumber that you hire to do the work for you. You tell it what you want, it figures out the details necessary to get it to you. If what you want isn't possible, or requires large changes, a good plumber will raise the issue to you and explain the constraints they are working under, ask for guidance, and offer recommendations.
Sometimes the AI does things in a weird or inefficient way, or neglects details that become important later, or misunderstands something important about the task resulting in an outcome other than what you wanted, but that's also the same as the plumber. This is why people usually want to be at home and keep an eye on the people working on their improvement projects or repairs, because they want to make sure that the guy they hired is replacing the broken faucet, not the functional but odd-looking one.
There is still value in knowing the underlying systems well enough to present a good design vision to the plumber up-front. It's still possible to have a competent executor produce a bad idea, which is how we get stuff like Groverhaus, the Doom Bathroom, and McMansion Hell, which are examples of "slop architecture" in exactly the same way as we are seeing "slop software".
If we continue from your "water comes from the tap" example this situation feels like someone who has no experience of plumbing deciding they're going to replace their bathroom without bothering to find out how any of it works. They'll possibly end up with a bathroom that superficially works but they're also liable to find problems down the line with leaks, things not draining properly, or water pressure issues.
Some of the people writing software purely via LLMs are even turning this into a business, which I guess would be analogous to deciding you're going to run sewage treatment for a small city without understanding anything about how that works. It'll mainly hurt when the problems are invisible, so food poisoning, or inlets backing up and overflowing into a nearby river.