That dev is productive with AI precisely _because_ they have a good mental model.
AI like other tools is a multiplier - it doesn’t make bad devs good, but it makes good devs significantly more productive.
If you write a program in Python or JavaScript, you have a terrible mental model for how that code is actually executed in machine code. It's irrelevant though, you figure it out only when it's a problem.
Even if you don't have a great mental model, now you have AI to identify the problems and generate an explanation of the structure for you.
Outsourcing that to an AI SaaS might be ok I guess. Given past form there's going to be a rug-pull/bait-and-switch moment and dividends to start paying out.
For the past decade people have been clawing their eyes out over how sluggish their computers have become due to everything becoming a bloated Electron app. It's extremely relevant. Meanwhile, here you are seemingly trying to suggest that not only should everything be a bloated, inefficient mess, it should also be buggy and inscrutable, even moreso than it already is. The entire experience of using a computer is about to descend into a heretofore unimaginable nightmare, but hey, at least Jensen Huang got his bag.
Only time will tell which version of the future we end up with. It could be good or bad and we will have to see.