Politely need to disagree with this.
Quick example. I'm wrapping up a project where I built an options back-tester from scratch.
The thing is, before starting this, I had zero experience or knowledge with:
1. Python (knew it was a language, but that's it)
2. Financial microstructure (couldn't have told you what an option was - let alone puts/calls/greeks/etc)
3. Docker, PostgreSQL, git, etc.
4. Cursor/IDE/CLIs
5. SWE principles/practices
This project used or touched every single one of these.
There were countless (majority?) of situations where I didn't know how to define the problem or how to articulate the solution.
It came down to interrogating AI at multiple levels (using multiple models at times).