> When one prompts an AI to "write me a to-do list app", what they really mean is that "write me a to-do list app that is better that I have imagined so far", which does not really require detailed spec.

If someone was making a serious request for a to-do list app, they presumably want it to do something different from or better than the dozens of to-do list apps that are already out there. Which would require them to somehow explain what that something was, assuming it's even possible.