> And I spent like ~2 days having Claude (over remote-control) create a Monte-Carlo simulation for retirement (including Tax calculations). Works great, I can read the code and make whatever changes I need.

This is the biggest indicator of the divide between the AI-enthusiastic developer and the average person.

The average person isn’t going to want to sit down and spend two days to fine-tune code or a spreadsheet to accomplish this. They want an easy-to-navigate interface that is dead-simple and ready to go with the ability to get an answer done in five minutes or less. If they hit any snags in the first 30 seconds they’ll ditch it and move to the next solution. Why should they have to spend their time creating a duplicate solution when there are so many ready-to-go alternatives already out there? They want the path of least resistance.