Anyone else hit the "80% wall" with vibe coding?

I can prompt a beautiful UI in minutes with Lovable/Replit, but as soon as I try to hook up real auth, payments, and push to the App Store, everything turns into "AI spaghetti."
I’m looking at Woz 2.0 because they use specialized agents and human reviews to handle the unglamorous backend stuff. Is the "managed" approach the only way to actually ship a production app in 2026, or am I just prompting wrong?