I think a lot of founding is pretty much a commodity, e.g coming up with a viable idea and then implementing it has become rather easy now with these tools. The real barriers are access to capital and clients. From the startup I joined (I'm the 6th person) I see how much the founders personal connections are important. That indeed can't be commoditized yet. But the process of coming up with an idea and iterating on it ? The founders didn't even come up with our idea - they thought of something initially but the investor led them to his own idea - totally different. That's how the company was born. Now the first clients are connected to the investors. Etc.
So access to capital and clients, connections ,that's the last standing moat I think.
You seem to be mistaking the "rules" of the ZIRP SV nonsense bubble for the rules of reality.
Understandably so, but still.
It's a commodity in the same way that making music is a commodity (i.e. using production tools to make it sound good). But music today is so much more generic and boring than it used to be.