I can give you requirements, give you feedback during the process, and otherwise contribute to the design, but at the end of the day I did not build the house.
I don't write assembly, but I still had to learn how to code. I had to practice and put in the effort to develop it as a skill. Then, when I write something, I have to put in the effort to do it.
Of course, building things with AI generally takes varying levels of domain knowledge and guiding for now, but if we're talking about ordinary users making their own software, the implication is that in some cases existing skill won't be necessary, if not now then eventually.
At that point it would be truly effortless, and I don't think that you can rightfully say you built something if it required zero effort on your part.