Great view on the current hastiness.
By the way, the same logic applies to working with humans.

If you genuinely care about what you are building and get your hands dirty, you can build amazing things with a small team.

If you simply delegate to others without caring or deeper insights, you get inferior results. Moreover, you have to grow the team just to manage the errors and complexity. This is why large institutions and companies become so bureaucratic and slow. Delegation without agency. Instead: rules, processes, workflows, hierarchies, supervision boards, etc.
If your agent md file keeps on growing, you are probably on the same path ;-)