It's nothing new, dunning kruger existing long before AI entered coding realm.
Several years ago ran into one american company which consulted with me. They had 4000 paying customers and they rolled out their billing solution which accept crypto, paypal and stripe.
They had problem with payment going missing, i migrated them to WHMCs with hardening and they never had any issues after.
Now people may laugh at whmcs but use the right tool for job
U need battle tested billing solution then whmcs does count it can support VAT, taxes, reporting/accounting and pretty all which you'll error while you try to do it all yourself.
Too bad there aren't battle tested opensource solution for this
AI empowers bullshitters but for sure they existed before. The guys who do something quickly and are gone before it starts to fall over. It often works because everyone is impressed with them and the problems that arise are seen as the fault of whoever is left to clean up the mess. You can probably detect my bitterness :-D