Understanding on core principle is definitely needed, but it helps you to punch above your weight.
Generally, generative AI gives mastery of an art to a theorists. To generate an impressive AI Art, you still need to have understanding of aesthetics and have an idea, but don't have to know how to use the graphic editors and other tools. It's quite similar for programming too, You still need understanding of whatever you're building, but you no longer have to be expert in using the tools. To build a mobile app you will need to have a grasp on how everything works in general, but you don't have to be expert in Swift or Kotlin.
Generally, generative AI gives mastery of an art to a theorists. To generate an impressive AI Art, you still need to have understanding of aesthetics and have an idea, but don't have to know how to use the graphic editors and other tools. It's quite similar for programming too, You still need understanding of whatever you're building, but you no longer have to be expert in using the tools. To build a mobile app you will need to have a grasp on how everything works in general, but you don't have to be expert in Swift or Kotlin.