This is not much different for hiring a contractor to build your personal blog. What happens when something breaks and you have no mental model of the code to know where to look? You call up the contractor to fix it. You have simply outsourced the problem.

The mistake in logic here the assumption that having AI build your personal blog means that you build the personal blog. You did not. There should be no more expectation of having a mental model than if you got another human to do it.