The differentiator right now is taste. Most people have none (like the business partner in the OP), and some people have plenty (like you seem to have). These two sets of people will produce wildly different results with the same tools.

Two things you can do regarding programming here.

1. Be a consultant for a high wage, use AI, produce good results quickly - little to negative intellectual joy here. You still have the edge here due to good taste.

2. Produce 'artisanal' code in your spare time. Work 3 months for pay, then 9 months on whatever projects scratch your itch.

I still want to program and I don't think it's time to let go. Hit me up (email in bio) if you wanna chat, you sound like a really interesting bloke.