it is getting amazingly easy for "average person" to make a personalized app, if they have the determination to do so.

Making a sophisticated app that handles the myriad conditions someone without deep architectural experience however is still very difficult. Many thousands of prompts and corrections difficult.

Perhaps tho, the biggest barrier to avg joe making his own apps, are the hurdles app stores put in your way to publis on them. Have to be willing to persevere through that.