You have to keep it secure, so it’s not “pay once” but has running costs, and need some kind of security scanning, citizen developer devops platform etc etc
This is only when you build a big web app serving also others. You can just build a desktop app, a cli, a local webpage etc and use it to "Organize my gallery" or whatever.
So now you kinda have that app, even when you cancel your AI subscription or they go bust, things simply still just work so you can focus on important stuff.