I think there are many moats that non-experts won't attempt to cross even with AI assistance.

For example, we've built in a lot of complexity to areas like authentication. And for good reason. It's like electrical code. I'd pay good money to watch a muggle attempt to configure OIDC infrastructure. Even with the AI explaining everything to you, it's too much information to digest at once. You'd need an entire afternoon just to wrap your head around the idea of asymmetric cryptography. That's a lot of time not spent doing the thing your business is actually about.