The former establishment doesn't want you to be able to realize your dreams unless you pay them. And if you don't have the money to pay them, they want you to suffer.

But now they can't stop you anymore, no matter how hard they try to vilify anyone who escapes their grasp.

define "simply incapable". you can use a sequencer, a synthesiser, a modelling program, an animation suite, write design docs for entire interconnected worlds, but if you ever accidentally write print("hello") you explode?

This place is loaded with the same morons on reddit

Any game worth playing will be so complicated that you would either have to spend more time and effort describing exactly how the game should work in English prose for the AI than if you had just written the code yourself OR you give a simpler description of the game and let the AI fill in crucial details you left out, which means it's not something entirely made by you and is part simulacrum. A computer screen is a large canvas you can repaint 60 times per second; there's a whole heck of a lot of tiny creative details in those 60 frames per second beyond the textures, models, sounds, and text. And in either case you have the additional problem that the AI will make mistakes (introduce software bugs) which you'll be unable to detect yourself.

One of the thoughts that's occurred to me in the current era is the importance of working with other people even on hobby projects. It's tough working with other people. We want to be the lone wolf and implement our own vision without interference from others. With AI, you can do that. You might want to do the programming but can't do the art, or you might be able to draw but can't do the programming. The problems are (1) fewer people want to play your partly AI-generated game over something 100% hand-crafted, and (2) there are loads of passionate people who really want to do the task you can't do yourself. We just need to find each other and make it happen. We weren't doing that before and are surely doing it less now, but it's more important now than ever lest we go down the path of replacing creative people with machines.

So now what?

Write a book.
Do carpentry.

You're not incapable, you're choosing not to. There is an initial hurdle you have to get past after which the logic clicks. If you're unwilling to move past that hurdle, that's a choice on your part, not an innate shortcoming.

What about coding when you are simply incapable of learning it?

In what situation would it be literally impossible for you to learn to code, where you would also have access to LLMs? If you have access to LLMs, you have access to a computational device of some kind.

I cannot put it together because [I] cannot code.

You can learn to code.

Should I be banned from ever making my dream game?

No. But if you have an LLM program the game, you have not made it yourself. So in a situation where you use generative AI here, you still have not made the game.