That's not really how it works, because in all your examples there is a pretty reasonable amount of work being put in that you are paying for.
Many AI projects are just a few prompts away, and very little labor intensive - you are mostly just delegating.
A much more accurate example would be "Why would I pay your son to mow my grass when i can get mine to do it"
> Many AI projects are just a few prompts away
"Just a few prompts" is the new "can do that in a weekend". In reality it still takes a while to build everything, think about what features you want to have and how to prioritize them, how to build a good UX / UI, set up payment providers etc.
So do it. Everything AI assisted I've made has involved a ton of work. The only difference AI has made is that I've increased the level of my ambition and avoided a ton of things that were previously blockers.