For small shops and startups, this probably doesn't matter. For mission critical sites, who's more dependable? AI is a tool, that's all it is.
There is still a cost to the business owner, they have to find a place to hire a freelancer, interview and then explain what problem they need solved, go through several iterations with them (either via meeting or email, or both) etc etc. If you're a small business that's not setting up an online storefront, the time spent setting it up and building it yourself is possibly less time. And then there's the bigger headache: what happens when the freelancer stops returning your calls? For the average small business website/page it is 2-10 pages. The average business owner can probably crank out that site with AI in less time than setting up a single interview.