I think that just because anyone can do it, doesn't mean they will. Lots of people have really great ideas but very few actually commit to execution. Ultimately ROI will go down, deincentivizing the commercialization of that thing someone wanted to bang out in a weekend.

In the very long term, software will become a commodity, as you mentioned. Process and workflow may move into JIT delivery for the need at hand, in theory the data layer will be comprehensive and clean and the days of clicking around a bunch of stuff to fulfill process needs will move into a lower latency activity like...talking to your agent.

I saw a quote today by Brian Eno(1995) that said: "So the question becomes not whether you can do it or not, because any drudge can do it if they're prepared to sit in front of the computer for a few days; the question then is: of all the things you can now do, which do you choose to do?" and it resonated with me a lot.