I've been saying this for years (maybe I need to start a blog?). Being able to make an app and make a product are completely different things.

If one person can quickly create an app someone else can as easily create open source version and just give it away. To offer a product you need sales, customer service, technical support and so on and creating this organization has nothing to do with writing code. There are exceptions like video games where one person can create and distribute a product but it's because it's more art than engineering. For a SaaS platform to be a "product" it needs to offer functionality that's impossible to implement for a small team in a short period of time or evolve using AI.