[2001zhaozhao]

I think this scenario drastically underestimates the amount of "moat" many of these software companies have on the consumer side.

Not sure about Stripe, but I think it would be extremely dubious for vibe-coded competitors to Uber to serve as real competition like described in the substack post, because the business benefits so much from network effects. A new upstart would not only need to replicate the technical aspects but also the physical vehicle network and years of built-up fraud prevention efforts (including things like rider/driver ratings and features that targeted at edge cases) of the existing incumbent firms.