You know how whenever you shuffle a deck of cards you almost certainly create an order that has never existed before in the universe?

Most software does something similar. Individual components are pretty simple and well understood, but as you scale your product beyond the simple use cases ("TODO apps"), the interactions between these components create novel challenges. This applies to both functional and non-functional aspects.

So if "cannot make with AI" means "the algorithms involved are so novel that AI literally couldn't write one line of them", then no - there isn't a lot of commercial software like that. But that doesn't mean most software systems aren't novel.