Like the 0.1% we do is your counter example?

But lets be fair, if an expert would use AI today to build something with this, I would feel a lot more confident than not doing this.

I would start with the base architecture and add all the guardrails for a distributed system, i might even go so far to leverage the math skills of a frontier model like fable or astra. I would for sure have the proper budget for using Fable/Astra.