Wait a second, you say its not coding thats getting democratized. It is the "ability to create" software... hm i wonder what would be the ability to write software? Maybe something like software engineering?

Also your example with Ferrari is completely flawed, and I dont give a fuck about what investment bankers think or do. What are you even talking about here?

Please explain the first part more than you hand waved away to make a completely unrelated metaphorical case. What is the ability to create software if not software engineering? How are both different?