Again, those prices aren't stable.

Nobody is investing half a trillion in a tech without expecting a 10x return.

And fairly sure soon those $20/month subscriptions will sell your data, shove ads everywhere AND basically only allow you to get that junior dev for 30 minutes per day or 2 days a month.

And the $200/month will probably be $500-1000 with more limitations.

Still cheap, but AI can't run an entire project, can't deliver. So the human will be in the loop, as you said, so at least a partial cost on top.