The threat levels are different for everyone/thing. If you're making stuff for yourself that's noncritical and on an isolated/firewalled computer, being careful with dependencies, you are probably fine. If you're making static pages/games for other people to use, while being conscious of your own security, I'd say that's okay too. When you start dealing with yours or other people's money and privacy, it only takes one small mistake to jeopardize that and LLMs are far from perfect. Best use for LLMs in money/privacy domains is not yolo vibing. The best use is making the code higher quality, more defensive, and more deeply scrutinized.