Many people implement things like forgot password and billing once and copy/paste in the next projects if they need.
I also want to be more supportive of junior developers. Second can help scaffold and get large chunks of standard code in place for them to build on, rather than starting with empty files. This is especially useful when adding a new feature to an existing web application (in which case boilerplates and templates are a no-op)
Speaking of that issue, wasn't GPT-3 trained with data that doesn't go past 2021? Won't this be an issue for any AI assistant using GPT-3 to write code?