If you were a young person with plenty of time, the best way you could spend it would be learning to program without AI- whether you have money or not.
LLMs aren't a requirement though.. and if you're learning, you're probably better off without the things. I was pretty down and out after the .com bubble burst and was staying in a house a friend was renovating without internet access for a while... I learned C# from a big fat book and the beta command line compiler... for years, I knew the language and tools better than my peers.
You can't get that level of depth with an LLM... because you generally won't be digging in... for that matter, if you're vibe coding, you're even further removed from the details of how things are being done for better or worse.
This is exactly the kind of person that could be excluded by a programming culture that requires extensive use of LLMs.