You can be an experienced developers with years building complex applications behind you and still find ChatGPT useful. I've found it useful for documenting individual methods or simply explaining my own/other's code or writing unit test methods or just using it to add boilerplate stuff that saves me an hour that I use elsewhere.
I think many people find ChatGPT useful specifically because they have years of experience building complex applications.
If you know exactly what you want to ask of it, and have the ability to evaluate and verify what it produces, it's incredible what you can get out of it. Sure it's nothing I couldn't have done otherwise... eventually. The productivity it enables is worth every cent.
Easily the best $20 I've spent in ages, they should have run with the initial idea of charging $42.
But holy moly anyone putting confidential information into it needs to stop