Everyone is probably already able to make their own version of whatever app from 1995.
Even before AI coding tools, the number of people who could write a 1995-functionality app (let alone a 1985-functionality) one was massively higher in 2020 than 1995.
So "what's next" probably isn't "everyone just clones what already exists" - instead, it's probably going to be determined by what's hard to clone that someone clever spots and then sells. What's the "I could write Facebook in a weekend" of the future, where the ability to clone isn't sufficient? I think there's likely something beyond "network effects" that we haven't found yet.
One probably-wrong guess I've had would be software that itself configures itself so well around the user that the user could only trivially clone it for themselves, not for anyone else. The "agentic" version of "I could write the 20% of Excel that's useful easily, with a better interface!" -> "oh, not everyone uses the same 20%".