Most non-coding AI tools are meant for general consumers who normally don't care if they have to do a new search each session + the hacky memory features try to tackle this over the long term. Also you can always supply it with the updated file at each prompt and ask it to return by updating the file. (if you really want to do with something like ChatGPT).
And I think its a bit hyperbole to extrapolate this to "software philosophy is changing". Like most apps still work on documents/data? Not sure what you meant there
This one-shot content generated is quality-less, no-focus. I would not, but cannot help to use the word, garbage. That's why some time you see a picture or a piece of video, or even some content, you can smell it is AI. And AI smell stinks.
The real useful AI content(for this case, the financial goal) generation is a long term efforts, and current AI agent is not good at it. That's why the author created this platform(or App) to help people achieve there.