The problem is the real world isn't made of stateless programs, but lots of important data in bespoke formats/schemas, and if you change the shitty software that interacts with the important data, in the wrong way, you can lose everything.
We are talking about a moving target here ... they get better every few months, so I expect the super-LLMs from 2035 will write amazing code even with sloppy prompting.
With that said - the process of fixing those old mistakes is greatly aided by llms... but you still need to understand what you are fixing, and understanding why giant blocks of code are copy-pasted everywhere, or why convoluted hacks evolved over time as reactions to bizarre underlying untreated bugs is, imo, ultimately a human/organizational/processes problem.
Anyway I think you are bang on.
Below that the AI will need to get good enough to compensate for people's lack of knowledge. But that will cost money so not sure how it's going to be balanced.
I have friends codebases where I had them just run a stupid simple prompt like "spawn subagents to find the top 5 worst issues in this codebase".
Wide open APIs allowing anyone to modify the database and charge customers among other things. The mere awareness of needing to secure things is lacking from most vibe coders.
I wonder which trend will be winning though. I personally won't bet on quality.