If someone was making a serious request for a to-do list app, they presumably want it to do something different from or better than the dozens of to-do list apps that are already out there. Which would require them to somehow explain what that something was, assuming it's even possible.
I'd pay you 10€ for a TODO app that improved my life meaningfully. It would obviously need to have great UX and be stable. Those are table stakes.
I don't have the time to look at all these apps though. If somebody tells me they made a great TODO app, I'm already mentally filtering them out. There's just too much noise here.
Does your TODO app solve any meaningful problem beyond the bare minimum? Does it solve your procrastination? Does it remind you at the right time?
If it doesn't answer this in the first 2 seconds of your pitch you're out.
There is the problem. Todo apps are easy to make. However making one that is actually useful for tracking todo items it hard. Getting the todo into the app is harder than writing it on paper. Getting reminders at a useful time is hard (now is not a great time to fix that broken widget - it needs parts not in the budget, I'm at work, it needs a couple hours of dedicated time and I have something else coming up...). I've tried a few different ones, most are a combination of too complex and not complex enough at the same time.
Yes; at least, I would hope a musician who was writing a love song was doing so because they want it to do something different from or better than other existing love songs. (Or they might be doing it to practice their songwriting skills - just as a programmer might write a todo app to practice their programming skills - but it makes no sense to use an AI for that)