Dunno about you folks, but I get better and faster every year. And, for me, that productivity metric is probably approaching parabolic.
You learn enough languages, frameworks, tools - all the fundamentals start to merge together. You can pick the next one up faster than you did the one you just put down. You understand how to design software; how to organize code. Exactly when to reuse, refactor, or copy/paste.
You have a better understanding of how the market works and the competitive strategies around product development will manifest - not only within your own product and industry, but when analyzing and choosing vendors as well (you really want to leave it up to a 25 year-old to choose AWS vs GCP?).
Sure, I've got a ton of better things to spend my nights and weekends on than writing code for free. I can also spot a doomed project from a mile a way and have no qualms about delivering a very curt "yeah no thanks" to that project manager who waddles over with some deluded hero fantasy where they carry the flag on my back for something that's probably never going to see the light of day anyway.
Maybe that's it? That's probably it...