Yes this is the state of it. But just wait a few months, maybe years, the builders aren't safe either. It just won't be cost effective to let humans build in a matter of time.
If you mean "somebody with an idea who wants to make it real" then that person is massively enabled.
The prototypes or whatever can be handy to help them explain themselves to others of course.
Combined with the fact that my use cases aren't your use cases, yes, it might be cheaper for me to make my own than to slog though software that wasn't built to serve my exact needs.
You only need to reimplement that 2% for yourself for it to be worth it, not the entire app.