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Imagine you're a junior developer and your boss asks you to "build a car finance calculator" You, the junior, don't know the rules, moving parts, how to calculate finance based on deposits, depreciation, interest rates etc. But, keen to impress, you give it a go.

Now imagine you're buying a car. The nice car salesperson is walking you through your finance options. And you happen to know that your nephew, a junior developer, had built the calculator.

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You know (because they kept moaning about it) that they had to make the rules up as they went, because no-one took the time to help them think through the details, the edge cases, the legal implications of mis-selling...

Would you trust your credit score to that finance calculator? AI might write the code, it may even be as competent as a junior developer. But whether it's humans or AI - building software demands details, examples, guardrails, and feedback loops to test what's being built.