You'd be wrong, I'm working on a paid mobile app, with the express goal of delivering a better product than existing competitors.
I've put like 500 hours of work into it over the last 6 months, besides my full-time software engineering job.
Frankly I think I have more experience than most here at using AI.
For me it works very well to just have a conversation with the agent in order to understand issues and steer it.
Essentially I would ask the question I would otherwise try to answer by reading the code.
Obviously, this has the downside that sometimes you miss things that would be obvious when reading and understanding all the code.
Since that can take a lot of time, it is still more efficient for me to instead QA test functionality and address issues I notice during actual use.