I think of it this way. If AI could build the product alone, then why would it ever be worth more than the tokens you spent on it? I think this would hold true 99% of the time. It's literally like asking someone "Can you pay me $1m for new gadget? I hired this other dude for $20p/h and he made it in a week". It simply doesn't add up.

The 80/20 rule still stands.