"I thought using loops was cheating, so I programmed my own using samples. I then thought using samples was cheating, so I recorded real drums. I then thought that programming it was cheating, so I learned to play drums for real. I then thought using bought drums was cheating, so I learned to make my own. I then thought using premade skins was cheating, so I killed a goat and skinned it. I then thought that that was cheating too, so I grew my own goat from a baby goat. I also think that is cheating, but I’m not sure where to go from here. I haven’t made any music lately, what with the goat farming and all."
A coding agent is more like a carpenter, a mason, an electrician,... rather than a hammer in that case.
Compare/contrast: people who develop games on top of high-level genre-specific game engines like RPG Maker are still considered to be "building a game." What's the difference between using a pre-made purpose-fit engine like RPG Maker, vs. asking an AI (or, for that matter, a contracted software company) to build you a custom purpose-fit engine?