> Had the cost of building custom software dropped 90%

It definitely has for me. I'm creating toolS and utilities every week easily that I never would've attempted in the past.

> This is as if writing down the code is not the biggest problem, or the biggest time sink, of building software.

Lots of people can think logically and organize a process flow, but don't know all the ridiculous code incantations (and worse development and hosting environment details) to turn their plans into tools.

It's trivial to one-shot all kinds of impressive toys in Gemini now, but it's going to be an even bigger deal when Google adds some type of persistent data storage. It will be like the rebirth of a fully modern Microsoft Access.