If we continue from your "water comes from the tap" example this situation feels like someone who has no experience of plumbing deciding they're going to replace their bathroom without bothering to find out how any of it works. They'll possibly end up with a bathroom that superficially works but they're also liable to find problems down the line with leaks, things not draining properly, or water pressure issues.
Some of the people writing software purely via LLMs are even turning this into a business, which I guess would be analogous to deciding you're going to run sewage treatment for a small city without understanding anything about how that works. It'll mainly hurt when the problems are invisible, so food poisoning, or inlets backing up and overflowing into a nearby river.