A lot of useful MS Access and Excel apps written by non-programmers beg to differ. Sure they have their problems, what doesn't? But these low-code tools allow smart, but less technical, people to get a lot done without getting in line to beg time from a bunch of grousing devs stack-hopping their way to their next job. Use a commercial vendor and you might even get documentation and support. 80% solutions usually do more than was needed if the requirements had been thought through carefully. Most business apps are tables, filters, queries, detail views, and workflow. So what if a product with 5 users in a department is trash? Works well enough most of the time.

Startup can't afford more than one developer? Product owner can hack the thing until you get customers, funding, or go out of business. Oh, and that bus factor goes up to boot. No more pager duty.

Code things that are core to your business and plan for the TCO. Use low-code for internal business apps and let your smart intern or low-code consultant make and own it.