If I were still a high school kid, I hope I would be wise enough not to vibe-code an app that handles money. Because any time your app handles money, all kinds of laws and regulations may end up applying to you. How do you handle refunds? How do you handle claims (true or not) of fraud? How do you handle actual fraud? If your app has a bug that means someone's payment didn't get sent to the city / parking lot owner correctly, and the customer's car gets towed, you're going to have an angry customer calling you and demanding that you reimburse their towing fees, or threatening to sue you for negligence, or something.

There are just all kinds of minefields when you start coding up an app that handles money. And they can vary wildly from one jurisdiction to the next. What city is this in? What state/province? What country? What are their laws about all of the above (refunds, fraud, etc.)?

So in this particular case, I'm not sure AI is nearly as like to disrupt the market as it would be in use cases that don't involve handling money. Because the risks you undertake when you set up to be a payment middleman are quite a bit higher than they are in other fields.